Date Received: 2023-01-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Applied for BJs card back in the end of XXXX of XXXX. The rate was supposed to be XXXX or XXXX based on creditworthiness. My credit is over 750 so I assumed I was getting the XXXX. In XXXX I noticed the difference on my statement and checked the ppwk that I got when applied showing that the interest wasn't even close. Tried contacting them by phone. They stated that that was old rates I told her that they were just updates in XXXX according to the documentation. She told me to email the documents on their website. So I attempted many times it kept kicking me out. I called again about a month later and she replied the site might have been down. XX/XX/XXXX sent email with proff of documents. XX/XX/XXXX they replied that basically to just call customer service, which I did. Spent 1.25 hrs on the phone getting passed back and fourth. Next, I got a letter from XXXX XXXX XXXX that they are taking over my account. Hope I gave you enough information. Thanks for your help
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I made a purchase for {$800.00} to Comenity Bank Using my XXXX account. 5 days before the bill was due I received a statement in the mail so I went online but was unable to access my account. Access to my credit card account on-line is almost always non-existent. You can't see your transactions, balances, rewards, or anything. It always says " a technical error has occurred ''. When you try to change a password it says there was a technical glitch. This happens over and over and over again. Call Customer service and they just tell you management is aware there is a problem. The real problem is that this reoccurred for 3 days constantly! Nevertheless I finally get a customer service representative on the line 3 days later and explain what's going on and she advises me that I have 2 separate accounts and the one closed was the one I was trying to log into!! To my surprise I explained that I had used the card have a statement and had been unable to make payment. The representative apologized and accepted my payment by phone ( I recorded conversation ). She said as a 1 time courtesy she would waive the late fee and interest due to problems I had accessing the account. I decided to close the account and pay the bill in full right then {$800.00} XX/XX/2022. Fast forward 30 days and I receive a statement from Comenity Bank for {$40.00} indicating it was for a late fee. I immediately called them and explained that it was waived by their representative and they told me that they can not waive a late fee on a CLOSED account. I explained that I had closed it myself and again they said it was a valid late fee. They reported this {$40.00} late fee as seriously delinquent 30 days past due on my credit report!! Fast forward 60 days and now I owe {$110.00} for all interest, late fees and this is illegal!! Comenity Bank is not a bank. It seems to be a haphazard accounting system that charges {$2.00} interest for simply having the card, then compounds the interest monthly and sends a {$40.00} late fee at regular intervals with a threat that this matter will be turned over to a credit bureau. I have received a downgrade from another creditor ( XXXX XXXX ) in writing because they stated adverse information on my credit report.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: No answer from customer service
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Virgin America credit card. I used back in 2015 or longer. It keeps showing up. I lost my job at the time and couldn't keep paying. Please delete and remove this account.
Company Response:
State: CA
Zip: 95973
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I cancelled my XXXX membership in XXXX because I never really found it useful and the yearly fee of {$56.00} I was charged by Comenity was credited back to me. Unfortunately it was credited to another of my credit cards, not to Comenity. So when this was realized, I made the payment to Comenity along with late fees etc. i wrote the check for {$120.00} on XX/XX/XXXX and mailed it the same day. It was not due until XXXX. I also closed my credit card with them. They say they didnt receive the payment until XX/XX/XXXX. Since then I have received 2 more bills and am now up to a balance of {$82.00}. They say they can do nothing about it because I closed my account with them. I have never used their credit card and it is turning into quite an expense for someone elderly and on a fixed income. My account information : acct number ending in XXXX. Per Comenity : As you requested, we have closed your credit card account. A monthly billing statement will be sent to you until the balance is paid in full. You do not have any available credit due to your account being closed. I do not owe them late fees. This is an injustice to me.I would like it cleared up and a statement sent to me with a XXXX balance due.
Company Response:
State: NY
Zip: 12303
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account was closed back in XXXX and was making payments through collection. I paid my account in full in XX/XX/XXXX. When I spoke to representative I asked for payoff amount and the balance was paid in full. I confirmed with representative that my balance was paid and no longer owed a balance to XXXX. My account was closed and I no longer had a balance as of XX/XX/XXXX. XXXX apparently did not include back interest when quoting me my payoff and I was completely unaware of anything owed because I was told my account was paid. XXXX continued to charge me and is now reporting 30+ days late on my credit report and a balance of {$48.00} which include 2 months of late fees. I have called in to XXXX XXXX department and the representative that I spoke with on XX/XX/XXXX confirmed that I paid my balance on XX/XX/XXXX and should not have kept getting charged and it was their mistake. All fees were waived by rep and my account balance now shows {$0.00}. Because I was under the assumption that my balance was paid in full and my account was closed there were no payments sent to XXXX. My score has now dropped 30+ points because of their deceptive practices. If I am requesting to pay off an account in full I should have gotten the complete payoff and if there was residual interest I should have been told by the representative that I would need to make a payment the following month. I am currently trying to buy a house and this has impacted my score negatively for something that was their error.
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My Torrid Credit card was paid in full. However, they received my payment late and charged me {$1.00}. Then they did not contact me and continued to charge me interest and fees on the {$1.00} from XX/XX/XXXX until XX/XX/XXXX. I called and resolved the matter. They have removed the fees and my balance is back to XXXX. This was a mistake on their end. My XXXX score has been severely damaged because of their mistake. I have many hard inquiries and my score has dropped significantly.
Company Response:
State: MA
Zip: 01760
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received a bill for {$2200.00} for an IKEA credit card for a purchase made on XX/XX/2022. I've never opened a credit card account with this company nor purchased anything in the month of XXXX from IKEA. I have called Comenity Bank ( issuer of the credit card ) multiple times and they have only forwarded me to the fraud department. I have waited on hold multiple times for over 2 hours with no answer. They seemingly do not care that this account was fraudulent.
Company Response:
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Comenity Bank Forever 21 did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Since I was adequately the noticed about the interest charges. I never enrolled for a Paperless statement, the system shows I am enrolled for paperless statement. Once I logged in online then only I was aware of the interest charges charged to my account. The interest was charged to my account on XX/XX/XXXX and I paid the balance in full on XX/XX/XXXX. Since I did not have knowledge about the finance charges I would request to waive the interest charges on my account. I paid the entire balance in full as soon as I realized the account is accruing interest. So I want to dispute the interest charges in my account. Also I paid all the remaining balance I was due within XXXX weeks of time, once I knew the balance in my account.
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A