Date Received: 2023-02-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I applied for an Ulta credit card XX/XX/XXXX, I was approved so the {$75.00} would be charged to my new credit card. I never received the card or a bill.. It wasn't until I received an alert from credit monitoring on XX/XX/XXXX, that I was able to find the customer service number and pay the balance on the account which was now {$100.00} from late fees. I informed them that I still haven't received a card or a bill it isn't fair to charge me fees. She did nothing. The next day ( XX/XX/XXXX ) I was charged a {$2.00} finance fee. Still no card or bill, but I did receive a {$30.00} late fee from XXXX for paying the balance in full 4 days late, a late fee on the {$2.00} finance fee, {$40.00} late fee on XX/XX/XXXX and a {$2.00} finance fee XX/XX/XXXX, a {$41.00} late fee on XX/XX/XXXX, {$2.00} finance charge XXXX-all for an account that they assured me was paid in full on XX/XX/XXXX, again no card, no statements and no new purchases-just a huge drop on my credit score for non/late payments which I never do. So again my credit monitoring alerted me of the negative reporting and I looked it up and on XX/XX/XXXX paid the entire amount all late fees and finance fees totaling {$120.00}! I made the representative confirm there would be no additional fees and please close my account, their business practices don't seem ethical or legal. On XX/XX/XXXX, I received a letter from Comenity Capital Bank stating my account is closed, current balance is {$0.00}, but on XX/XX/XXXX I received my first bill ever with a {$2.00} new balance due XX/XX/XXXX or a XXXX late fee will be charged ( on my account that was closed and had a XXXX balance ) and the lady confirmed today my card still has not been activated!!
Company Response:
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The store that owns the credit card is closed and filed bankruptcy. XXXX XXXX credit card was taken off of my credit report. It is now being reported negatively with incorrect dates. I am getting phone calls from unknown numbers, XXXX numbers, XXXX numbers and or any other number. They are calling repeatedly back to back despite being asked not to call. The calls start as early as XXXX XXXX and are sometimes back to back different numbers or every hour for several hours.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received two hard inquiries on my credit report on XXXX One was on my XXXX credit report by Comenity Capital/XXXX where I spoke to XXXX and Comenity Capital/XXXX and found out that it was for cosmetic services and the application was approved for {$3200.00}. I spoke with Comenity representive and they said they would cancel the account as fraud and will take care of the hard inquiry, but I want confirmation this has been done. I then received another hard credit inquiry by XXXX XXXX also on XX/XX/ and also received a text with code and I did not request this. I called XXXX XXXX and they confirmed that the person had all my information and applied online-except older address-and applied online but was denied so no account exists due to fraud, but I want to confirm the hard inquiry will be taken off.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: Summer of XXXX I was offered a bj credit card at a cash register while I was checking out The attendant asked if I wanted to use this BJs card for the purchase I said NO Thats the only interaction Ive ever had with BJs at this cash register in summer XXXX Never used a BJs card Never bought ANYTHING Never ever received a bill or a BJs credit card Then in XX/XX/XXXX received a bill for membership fee for BJs credit card I called said I dont have a BJs credit card never used a card and dont shop at BJs I continue to call the company about this unauthorized membership charge without resolution Please help
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity bank has non stop called me from several numbers to many to list here. I will block the number and they will get another number and call me from it. Today on XX/XX/2023 they have called me at least XXXX times this morning. This is harassment calling me all hours of the day.
Company Response:
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert on XXXX that a hard pull was done on my SSN. I checked my report and found Comenity Bank / Bread XXXX did a hard inquiry for a new credit card that I did not authorize. I called them on XXXX to resolve the issue. I was put on hold for about hour and was not able to speak to anyone about this issue. The message said their gents were busy while I have to work and cant wait on hold all day.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I mailed out a payment of XXXX on XX/XX/XXXX, on XX/XX/XXXX I noticed that payment had still not gone through so made min payment XXXX which was due ( knowing that the check had been mailed XXXX prior. I called company and they reported they were having issues with people mailing in payments and were going to start an investigation. On XX/XX/XXXX they charged me XXXX in interest and then finally put my payment through in next payment period and posted the check on XX/XX/XXXX. I called and spoke with them and said they were only allowed to issue me a {$10.00} credit for my troubles. The new interest that I accumulated was {$26.00} after payment along with the accumulated interest of XXXX. Why are they allowed to hold a check to gain interest for a month. I was informed that when my investigation started the rep I spoke with had already started XXXX others on that day, for same reason. I can't XXXX how many people are paying extra interest and fees due to checks not being processed accordingly. I was then told that this is why everything should be done electronically, which I had a " bank check '' and could not do electronically. I do not feel I should owe them a month of interest. I mailed out XXXX other checks that same day and all were processed from the other companies withing XXXX days.
Company Response:
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made electronic payment to Commenity capital bank of XXXX They never posted it to my card. I have been receiving interest charges and late fees since XXXX XXXX. I provided proof to Commenity and still have not been able to get this resolved.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am reporting Comenity Capital Bank for harassment and trying to extort additional money out of me through bullying tactics such as repeated calls, over 26 calls in a period of three days, and through negatively impacting my credit unless I " pay again '' and present a " check from my bank ''. The details of this complaint are below. Towards the end of XXXX, I opened a credit card for Comenity Capital Bank ending in XXXX. I paid the outstanding debt of {$66.00} on XX/XX/ to the account ending in XXXX and received a confirmation from Comenity Bank that payment had been received. The confirmation number for this is XXXX Payment was taken out of my bank account from Comenity bank for the card number ending in XXXX. I was sent a letter in the beginning of XXXX stating that I still owed {$66.00} despite receiving confirmation from Comenity that this amount had been paid. I called Comenity and spoke to an employee named XXXX who stated that I would need to send a letter with details of what happened as well as the confirmation number. I sent this letter the next day. Despite sending this letter, I received over 100 calls from unknown numbers, numbers from XXXX such as the XXXX number, calls from XXXX, XXXX, and a plethora of additional states stating that I owed {$66.00} with interests. I've called multiple times and have sent multiple letters at this point to resolve this issue and when speaking on the phone, I was told that it was " my banks fault '' for the outstanding payment and that I would have to pay the amount again or request a " check '' or " check number '' from my bank specifying the amount had been paid. I explained the information I had received from a XXXX and told the employee I spoke to that Comenity. I was told I would have to send another letter with a check or check number from the bank. When I requested to speak to a manager because the person I was speaking to could not provide assistance, I was told " no ''. Essentially, Comenity Bank refuses to rectify this issue and the company has succumbed to tactics of harassment and bullying to extort additional payment. The actions of Comenity have had a disastrous impact on my credit score and my ability to buy a home. My credit score has decreased substantially and Comenity refused to remedy this issue, despite my multiple attempts to rectify this issue. I am requesting that the CFPB to provide assistance and possibly provide assistance for this inaccurate report to be removed. I also am requesting the CFPB to address the harassment of Comenity Bank so future consumers are not negatively impacted psychologically, emotionally, and financially. Below, I have attached the different numbers used to call me. I have not included all the different numbers as I have deleted some of the calls. I have also attached the confirmation email stating the outstanding balance had been confirmed and paid. I am more than happy to provide additional information, such as phone recordings, etc.
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A