Date Received: 2023-01-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX payments in full to Comenity Capital Bank BJs credit card made from my bank through bill pay have been received on time but XXXX of {$1200.00} on XXXX was applied XXXX days late. The other payment of {$1200.00} on XX/XX/ was received, cashed but never applied. These have resulted in continued monthly late fees and interest. I have attempted to resolve the issue with multiple phone calls. They were extremely unhelpful and actually asked for another payment. Then a dispute was started in the message system of Comenity Bank on XX/XX/. They have continued to charge late fees and interest even though they said they would not during the dispute. Further, a letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX outlining everything again. Attachments of bank payment details were provided. I have only received XXXX form letters advising me it was under investigation.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened an IKEA credit card in my name and charged, in XXXX, in excess of {$7600.00}. I never applied for an IKEA credit card, but did receive a card a few days prior to receiving the statement from IKEA for the fraudulent charges. I live in XXXX and Ive never even been to the state of XXXX and on the date the charges were made I was in XXXX, XXXX purchasing a home. I contacted IKEA and they assured me they would take care of the matter and have the card canceled and notify all three credit reporting agencies. As of this date that has not occurred. Then I received a letter from Comenity Bank, the bank issuing the card on behalf of IKEA, requesting that I lift the credit freeze so that they could continue with my application- WHAT? - they already issued the card which allowed someone to make fraudulent charges to me in the total amount of {$7600.00}.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/2022 I opened a Comenity Victoria 's Secret Mastercard and made a purchase in-store with the card for {$21.00}. Approximately 10 days later I receive the Victoria 's Secret Mastercard in the mail including my balance, account number and my personal information. The invoice asks me to call to activate the card. I call to activate the card and they state they do not have my information in their database. ( 60 minutes on phone ) They stated they were having technical difficulties in locating my information but did find my application and approval in the system. I called them 3 times to activate and attempt to make a payment ( 60 minutes each ) on my original invoice on the card. I still can't activate this card and they said I can not make a payment because they can not locate my account. I have excellent credit and monitor my credit. They can not find my account but reported this card as active with a balance to the credit bureaus and sent me another statement with interest and late payment to my house. I sent a check in twice and they cashed my checks but did not allocate to my balance because they still can't locate my account. I can not even cancel this card because they told me they can't find my records. On XX/XX/2022, a supervisor was on the phone with me stating that they are having computer difficulties and he would have an IT ticket created to fix the issue. I called on XX/XX/XXXX and they were angry with me for calling and asking for a supervisor and have not resolved the issue. I have a card I can not activate, cancel, or make a payment on and they are reporting this to the credit agencies as well as late fees and interest. I have sent them and they cashed checks to an account they cant find. I am almost ready to buy a car and this bank may ruin my great credit scores and my ability to make a purchase at no fault of my own. THIS IS FRAUD. They should be liable for my damages. They will not help me at all.
Company Response:
State: IL
Zip: 60142
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Commenity Bank XXXX XXXX ) - Unable to work with creditor to defer payment or change due date. I was unable to meet my minimum payment for this month, however i did pay what i could. This creditor has called me 13 times over the last 2 days. This needs to change, one contact per day should be sufficient. They also need to make their website more user friendly. I should not need to sign up for a subscription service to have payment protection when times are tough. Especially in this current financial and economic environment.
Company Response:
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
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 have been reporting fraudulent charges to Commenity Bank on my BJs credit card for 4 times over a month and they just keep ignoring it and not doing anytihng about it. They did send me a new card in the mail but they are not addressing the fraudulent charges from XXXX XXXX XXXX Games. They are completely unresponsive. They just keep transferring me around and ignoring my private email messages. Clearly their customer service is lousy but I still need this error corrected on my statements. I have reported 4 times already. Please ask them for a person to fix this.
Company Response:
State: NJ
Zip: 08087
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Commenity bank continues to run credit inquiries for retail credit cards. I have contacted them multiple times and told them never to even run my credit because I will never have any of their cards. No matter how many times I've told them any attempt for one of their cards is fraud, they run it anyways. They ran it again today XX/XX/XXXX and attempted to on XX/XX/XXXX. I want it to stop. Also I do not want any cards issued in my name especially on the inquiry from today!
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I ordered a pair of vase at XXXX for a party at my house but I it took them longer to deliver so I bought something somewhere else so contacted XXXX and cancelled the order I spoke with a guy name XXXX. After a few months I got a call from commenity bank collecting money for the vase that I canceled and did not receive. They want me to pay the charges while they investigate so at the end I never had any charge They want me to pay the service charge and penalty for an item that I canceled and did not receive.
Company Response:
State: CA
Zip: 94591
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: 2023-01-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 -Wile at a self check out register at Bjs, my transaction was stopped and a clerk came over. She wanted me to open a credit card that the screen prompted me to do as well. I put my information in and was approved, wile reading the terms and conditions, I did not agree with the interest rate and was reaching to hit No when the BJs employee reached over and hit accept. It automatically opened and charged a new account I did not agree to open. They could not do anything about it to reverse it and said to call the bank, they admitted wrong doing but told me to bad so sad. I had no intention of ever agreeing to this card to be opened and did not accept the terms and conditions. I called the bank, comedity and they did an investigation and found no wrong doing but closed the account without my concent and then sent me a bill, they keep sending me a bill and it has now negatively affected my credit. I have also tried to dispute it with a credit bureau, who has been no help. My credit has now dropped XXXX points, and I have nowhere else to turn.
Company Response:
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022, I went to the Ann Taylor store at the XXXX XXXX XXXX XXXX. Upon checkout, I mentioned to the clerk that I had a XXXX card but didn't have it with me, regretfully. She told me that I could look up my XXXX card and charge it by entering my social security number. I went to the keypad screen and followed the instructions but my card was not found after entering my social security number. She told me that sometimes this happens, that I have to finish the next few screens because the system had to do some type of lookup. I proceeded to finish the next few screens, but it looked to me like it was opening a new credit card, so I asked the clerk, are you sure this is to look up my card because it looks like it is opening a new card? She assured me two times that it was not to open a new credit card. In the end, it seems that the charge went through because I did not provide payment. Shortly after, to my surprise, I get a new credit card in the mail followed by a call saying my payment was late. On XX/XX/2022, I called the credit card company and expressed my desire to pay off the credit card in full and close the account. I told them that I felt tricked into opening it and it was no secret that my intention was to fully pay off and close the account. They assured me it was closed, and I made payment in full for {$430.00} at the same time. I also called the Ann Taylor store in XXXX and told the management. I didn't want the lady to get in trouble ( and still don't ), but suggested they do better training. The store was apologetic and I considered the issue closed. However, today, XX/XX/XXXX, I received a mailing which I almost threw away because I know the credit card is closed. Luckily, I opened it. Even though my card is closed, they sent me a bill for {$1.00} saying that I owe them some type of fee. For {$1.00}! When I called and closed the account in XXXX, nothing was mentioned to me about residual payments or interest or fees due on the account. It was abundantly clear I wanted to close it, and THEY REPRESENTED TO ME THAT IT WAS CLOSED. This is why I am complaining to you now. Had I not opened this mailing, it says I would have owed an additional {$41.00} late fee. It was my complete and total understanding, as well as their representation, that the account was closed. I immediately called the credit card company and to their credit, they took off the {$1.00} charge and confirmed the account was closed ( again ). However, I wanted to write this complaint for your records because it feels slightly dishonest and a potential trap for unwary consumers. As mentioned, I closed this account and paid it in full, and that was represented to me. I nearly threw away this mailing, which turns out to be a bill for {$1.00}. Had I not opened it, the fees would have just piled up. The whole process has seemed a bit dishonest to me. Luckily, I have the financial means to pay even the {$41.00} late fee. But not everyone does. This does not feel like an honest business practice, to trick someone into opening a card, representing that it's closed, then trick mailing them a {$1.00} invoice, then earning {$41.00} more when they understandably fail to open it.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: VICTORIA SECRET CARD COMMENITY BANK- i was on a harrdship plan where I was paying {$15.00} a month and 3 payments in I was told i defaulted and owed the whole amount. They didnt credit me for payments I had made in store correctly and wouldnt reinstate or fix that issue which caused them to close cars acct, terminate hardship plan and ruin my credit.
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A