Date Received: 2023-01-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: made purchase on bj 's using bj 's credit card order was never deliver and bj 's did not give me a full refund i its been 6 months and they are refusing to give my full refund because of this i was denied mortgage loan
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a XXXX XXXX XXXX account. Once I received the card I was unable to activate it. They kept saying account not found. Once I spoke to their credit department, they stated they could see my application and that it was approved. They advised me to go into the store and use the account and then it will be activated. I did that and after several weeks they were still unable to locate my account. After 3 weeks, I received a bill in the mail. Once again I called to locate my account as I only had 1 week to make a payment. They were still unable to locate my account. I had a bill in front of me, an account number and no one who would help me make a payment in the account. I feel like I am being scammed and about to get hit with late fees, interest and a ding on my credit report.
Company Response:
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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: The emails started back in XXXX of XXXX, i asked for a refund because i accidently made an extra payment for the account. I sent them this From : You Sent : Friday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank XXXX : Refunds Message ID : XXXX Hi, so can you please send back my XXXX payment, IT was not due, and it went out automatically. I DO NOT WANT TO MAKE EXTRA PAYMENTS FOR THE MONTH OF XXXX. I got the response From : Comenity Bank Sent : Tuesday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Refunds Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. We requested your refund. I've reviewed your inquiry and requested a refund to be sent to you. Please allow up to 7 business days for delivery. Thank you for taking the time to reach out, and have a great day. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Ever since this day, i have done every thing I can to have them fix the problem. Including an internal investigation awaiting for them to see that they made a mistake and fix the problem. The refund was done as a purchase transaction, therefor we are paying interest on the bill and the balance due went up from XXXX to XXXX as of now the XXXX has increased to XXXX which is showing on the bill due XX/XX/XXXX interest accrued is XXXX When i went on the website to make the payment before the bill was generated and in the mail, i saw that the bill increased to XXXX for the payment due XX/XX/XXXX so i called on XX/XX/XXXX XXXX spoke to XXXX, he said that if i paid the XXXX dollars the bill will go back down to XXXX as it should, so i had already made the XXXX payment for the month so i went on their website and made the XXXX dollar payment. XXXX XXXX said to look for the online statement generated on the XXXX of XXXX for the month of XXXX, so in doing so i had to call them again on XXXX and spoke to a XXXX @ XXXX XXXX i asked to speak to a supervisor and we got disconnected, so then i recalled @ XXXXXXXX XXXX on XXXX and spoke to a XXXX, who then transferred me to a supervisor XXXX, who was able to credit the XXXX $ for the payment due in XXXX however i requested to speak to her supervisor, she transferred me to miss XXXX, who said that the refund company was a separate identity as far as giving the refund and because your bill is showing the refund as a transaction your bill went up. It shows original puracase amount n/a original purchase date n/a plan expires none previous plan balance XXXX payments and credits XXXX $ this is the extra XXXX that i paid on line on their website, New balance XXXX plan minimum XXXX $ total accured interest XXXX ... So what miss XXXX did was dispute the XXXX purchase that is all I got done with this phone call. On XX/XX/XXXX i got a letter showing that the right department received the claim. On XXXX I called in regard to the dispute and was told I needed to pay the XXXX for the month of XXXX, however my notes say i only paid the XXXX, I received a letter on XX/XX/XXXX saying the room place credit card is showing my payments are distributed on your account as described in your credit card agreement and goes on to say the explanation of how the intrest is accumulated ect ... .So it looks like to me they are not honoring the refund. I will be callin them again as it looks like i have 30 days to fight their choices. I have a history of emails as well dating from XXXX all the way to today XX/XX/XXXX. The bank that they use is comenity bank, now known as Bread XXXX i guess. Please help me with this case. Thank you
Company Response:
State: WI
Zip: 53142
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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: In XX/XX/XXXX, I paid off a promotion plan in full with the exact amount of XXXX ( see statement ). The entire amount should have been applied to the promotion. Instead, Comenity applied all but a certain amount toward another promotion plan. This caused the expiring plan to go past the expiration date with a balance. The account suffered the added balloon finance charge. When I noticed that the balance did not go down, I contacted Comenity to resolve the error. At first, it seemed like Comenity would strive toward doing the right thing, Instead, they reneged on an agreement to assist me and refused to make it right after several attempts and pleas on my part. I was left with no choice but to contact my attorney. The attorney attempted to reach out to Comenity twice and twice Comenity ignored my attorney. It wasn't until recently that Comenity sent a letter to my attorney stating they didn't know who I was. I contacted the bank on XX/XX/XXXX to find out what they needed and once again Comenity was not helpful. XXXX of customer service transferred me to XXXX in another department, who transferred me back to customer service where XXXX took the call. I explained for the third time what I needed and XXXX informed me that my account was frozen because an attorney contacted them. When I asked XXXX why was that the case, his glib reply was, " because that's how the bank works. '' when I asked XXXX for the previous year 's statements, XXXX proceed to assume I didn't know what I was talking about when I informed him that the statements were not visible on the site. XXXX proceeded to tell me to write a letter to their XXXX XXXX XXXX he had the statements on his screen. I still don't know why they could not identify me. According to my attorney, Comenity Bank is the worst company to work with to get customer resolutions.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I spoke with a woman in the beginning of XXXX and requested this account be closed. Instead of closing the account, they drastically lowered my credit line which dropped my credit XXXX. This was AFTER I filed an earlier complaint about their customer service agent and the company charged me interest on a XXXX dollar balance. They removed that mark from my credit and then dropped my credit line from XXXX to XXXX. This affected my score by XXXX points and will affect it again once they actually close the card. This is incredibly unfair and feels like retaliation to me, the consumer.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
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: I was working with a credit coach in order to pay off my credit card bills and to increase my credit score. My credit coach informed me that although my XXXX XXXX credit card is paid off something is reporting on XXXX which is affecting my credit score. XXXX XXXX account paid off and it seems as if a balance is still reporting on XXXX which is impacting my credit score.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2022 I made full payment of my account for the amount of {$170.00} On XX/XX/2022 I called them about a double charge for one single item in my account for the amount of {$25.00}. Actually, they ( Comenity Bank ) acknowledged the double charge, however, they told me I need to wait 90 days for an investigation about the double charge showing in my account for {$25.00}. Finally, on XX/XX/2022, They told me I had zero balance in my account, showing full payment and then immediately I requested them to close my account. So Comenity bank sent me a letter of confirmation showing my account is closed, however, when I go online I can still see my account still open and the interest and late fees accumulating.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
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: Around XX/XX/2022, I found charges on my checking account statement for XXXX where I had a merchant credit card, issued and handled by Comenity Bank. The bank was never authorized to withdraw directly from my checking account. XXXX immediately refunded the money for these fraudulent charges. However, I continue to be contacted and harassed by Comenity bank, basically threatening to ruin my credit rating and insinuating I don't have they funds to pay. It is just a crazy nightmare. Just this morning I was sent an " URGENT '' message to call them. When I did I reached someone who told me I had to make a minimum payment. I told her I was never given the itemization for the purchases they said I made and owed them money for. When she said I would have to speak to customer service about this, I was put on hold and then disconnected. This has happened before when I tried to contact them. They refuse to tell me what they say I purchased and why they think I owe them this money.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: i have been harassed by comenity bank i let them know i did try making a payment and it didn't go through fast enough and that they would indeed have to wait until i have the funds to pay them. i said when i have the money you will get paid, and they have called me at least 50 times a day trying to collect a payment : ) i owe only XXXX dollars left on the closed account and at this time its harassment. please email me for pictures of my phone log : )
Company Response:
State: CO
Zip: 80010
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My payment was due on XX/XX/XXXX I made a payment at XXXX and they are telling me that I need to Make the payment before XXXX But on the Credit Card agreement is there is no mention of this that have stated that it is printed on the statement. They refused to remove the Late Charge and I asked them Lane Bryant ( Comenity Bank ) to close the account.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A