Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize COMENITY CAPITAL/ FOREVER21 on XX/XX/2021 to run my credit
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I'm not in the financial stability to be able to pay the amount I'm in debt with the credit card XXXX XXXX XXXX dollars I need help in so close to the point of literally XXXX my apartment I need help
Company Response:
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After making the last complaint about XXXX XXXX and having them fix the issue, they instead processed a payment that was not made by me. Instead they made the payment on my behalf without permission. When I called to have it corrected the customer service rep stated that it wasn't fraud for them to pull money not authorized from the account. When I asked for a supervisor she informed me I could talk to one at a later date as she was not willing to transfer me over. She refused to identify herself and ended the call stating she processed a refund in the amount the basically stole from my account.
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I learned thru a 3rd party credit monitoring account XXXX XXXX XXXX that I was assessed a whopping {$2200.00} finance charge with only a balance remaining of {$880.00} on an original load of {$6000.00} and approved credit of {$10000.00}. I checked my balance regularly ( monthly ) on the Comenity website and was never notified on this website or a formal written letter indicating that the original term agreement was to expire XX/XX/XXXXXXXX ( I learned of this XX/XX/XXXX and paid off the the remaining balance of {$880.00} and attempted to file a dispute with the customer service to resolve this amicably. They have blatantly refused and the action they are taking is " deceptive '' at best and " deceitful '' at worst. This has resulted in a credit utilization increase of 30 % and now at a ridiculous 30 % interest rate. I have maintained an excellent credit history with XXXX scores in the XXXX range. It is my hope to have resolved this reasonably even I had to pay a small penalty but not a penalty of {$2200.00} on an {$880.00} remaining balance which was paid off only days after the expiration and with no formal means of written or electronic notification. In this time of consumer crisis with high inflation, Comenity bank should reconsider their deceptive credit and communication practices. It is still my hope that this can be resolved with your assistance.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a XXXXXXXX XXXX XXXX with Commenity Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Commenity and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called commenity again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Commenity. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.
Company Response:
State: WA
Zip: 99205
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent account persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate account continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent account impacting my credit history. I kindly request that COMENITYBANK/KAY conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX keep calling me several times a day about the debt that I dont own. I informed them that its not my address on credit card bill.
Company Response:
State: MO
Zip: 65616
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized inquires on my XXXX report. COMENITYCAPITAL/SEPH XX/XX/XXXX XXXX XXXX XXXX, XXXX Both inquires are not mine. Remove them immediately or Ill have to contact my lawyer. XXXX was called they refused to provide proof after I requested removal
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I reset my password over the weekend and since then I have had my password reset several times on Monday and Tuesday. I am concerned because I have had issues in the past and this particular credit card is out of Ohio. The main credit card closed and I have no one to reach out to. XXXX Commenity Bank Additionally, the company was made aware of an address change and the company did not correct this for 9 months. This person at the old address could be using the information to obtain my login.
Company Response:
State: NY
Zip: 12866
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a call in XXXX telling me my XXXX XXXX XXXX payment was overdue and asking me to pay over the phone. I thought this was a scam call as I always pay my bills in full and on time. I hung up and called the phone number on the back of my XXXX XXXX. To my surprise it was overdue and I never received a statement in the mail. I assumed it was lost in the mail and paid my bill in full using the online app for my credit union. I then started to receive calls that my XXXX credit card payment was overdue for the same month, I also did not receive a bill in the mail for XXXX. I soon discovered both of these stores use Comenity Bank. This is very suspicious that the only two bills I didnt receive were both from the same organization. I also paid this bill in full through my credit unions online app. I thought the issue was over until I received my billing statements in XXXX. XXXX had applied my payment of {$500.00} on XX/XX/2023 and then removed this payment on XX/XX/2023. So, they charged me {$500.00} plus interest. I called XXXX who put in a request to investigate what happened. My XXXX statement also had an issue. First, with all of the phone calls, I double paid them. Once with interest and late fees ( {$130.00} ) and once without the interest and late fees ( {$100.00} ). The statement said I was late with my payment and consequently I was charged {$66.00} in late fees. I did not understand this because I paid the bill in full on my banking app several days before my paper bill came in the mail. When I called Comenity Bank they said this was my error in not getting my payment to them on time. I contacted my credit union who confirmed my checks to Comenity Bank were dated XX/XX/2023 and the XXXX tracking showed my checks arrived at Comenity Bank in XXXX Texas on XX/XX/2023. Yet, Comenity Bank did not process my payments until XX/XX/2023 resulting in the {$66.00} late fees. I called Comenity Bank back and explained the documentation I had from my credit union. They still refused to refund my money. I asked to speak with a supervisor. It took several attempts before they agreed to connect me. I heard the call picked up and then hung up disconnecting my call. I have also reached out to XXXX through email and phone. The customer service representatives are very nice and say they are expediting my concerns to a manager and I will hear back in 48 hours. I have still not heard back and this was over one week ago. I am asking for your help to get my {$66.00} back from XXXX. I also want to bring attention and hopefully an investigation of Comenity Banks unethical behavior. I believe their actions are purposefully dishonest with the goal of charging erroneous late fees and interest. When I spoke to the representative at my credit union she informed me Comenity Bank did something similar to her. When I asked what she did about it, she said nothing, she figured it would be a waste of her time and just paid them. This led me to wonder, how many people are Comenity Bank doing this to? This is not right and I am taking the time to tell someone about it. I hope you can help. I attached the credit card statements for XXXX from both XXXX and XXXX as well as the documentation from my bank showing the check dates and XXXX tracking information.
Company Response:
State: WI
Zip: 54449
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A