Date Received: 2023-01-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Forever 21 opened a credit Card without my knowledge In the amount of {$120.00}
Company Response:
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, someone used my identity to open a credit card with COMENITYCAPITAL/XXXX They made a purchase of {$640.00}. This was not me and I did not authorize this purchase.
Company Response:
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit alert that someone had attempted or pull my credit on XX/XX/2023. I knew I had not, so I logged into my credit monitoring site, and there was COMENITYCAPITAL/XXXX. I had no knowledge of this company and why they would pull my credit file. I then immediately contacted XXXX to dispute the hard pull to my file. While waiting, the next day, I came home to a letter addressed to my husband with the same name COMENITYCAPITAL/XXXX on a letter. When he opened the letter, it stated they needed him to contact them to finish the application. My husband had not applied for any such account. We have not been able to get anyone on the phone. Also, XXXX removed this pull from my credit file. I am concerned this is some scheme or target. I need to know what I can do to protect my credit from this company.
Company Response:
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
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: I have had a number of unjustified charges on this account now for months, dating back to at least, XXXX of 2022, totaling {$350.00}. I have personally disputed all of the individual charges ( some of them TWICE ) within this total, via very long phone calls and being transferred back and forth many times, because the company would send messages ( via their online messaging system ) that they " needed more information '', or because they could " find no proof '' that they were " not legitimate charges ''. So, I had to " re-dispute '' them! This company has a severe lack of timely and specific communication regarding each of the disputed charges. I have received just a couple of letters regarding maybe 2 of the multiple unjustified charges, with the letters having zero details, so that one has no idea what charge, date, or vendor, they are referring to! They basically send generic form letters, and only for some of the disputed charges! I have been given the runaround by this company for months now! When I re-inquire about status updates they just tell me to " give it another 60-90 days for resolution ''! They are absolutely the worst credit card company I've ever dealt with ( Comenity Bank )!
Company Response:
State: PA
Zip: 15241
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I wish this to reflect that it is about Comenity XXXX XXXX. I have always paid this account on time every time. My bank sent a check to this credit card company to be received XXXX XXXX XXXX the XXXX on a bill that was due XXXX the XXXX. Thamount of {$22.00} was to pay the account in full. They claim they did not receive that chat which was due to be received by them XXXX the XXXX until 13 days later On XX/XX/XXXX. That just happened to be the closing date for them to mail out my statement. They arevthe only ones in control of honestly or fasely stating when they received payment. Apparently my check laid around their office until they decided to send out my statement. So I was charged {$22.00} plus {$2.00} interest For not having paid the bill by the XXXX period thus I'm being penalized {$24.00} for their tardiness in posting my my payment. It is UN reasonable that it took them 13 days to receive the check that was mailed by the bank. I have never had a payment be late when it was timely mail by my bank I contested this issue so I have been TEMPORARILY credited with this amount. However their letter of XX/XX/XXXX indicates if this issue is found in their favor ( which only they have control over, so of course they decide in their favor ) I will still owe this a mile plus interest and penalty for possibly up to 3 months, 90 days. if they say it will take them to " investigate ''. Therefore to avoid them coming back and Charging more money I tried to pay the {$22.00} contested. But they will not let me. Therefore at the end of this period I could owe them the {$22.00} + no telling what penalties they will add. They are In complete control and can say a payment sent by the bank takes 13 days to be received all the time. First time ever for me.Obviously this is an unfair business practice that if they do this to enough people, they could benefit quite handsomely. I believe more scrutiny should be made of this kind of billing practice that Prevents a person from not owing more than the contested amount. I am quite willing to pay it today if they will refund it when a decision is made. However they would not let me by phone and the online account will not let me. Then they can come back in 90 days and say I owe them more? They would not let me speak with anyone today to resolve this today, even with me making payment of the amount in dispute. So I have this hanging over my head for 90 days. As a patient in XXXX XXXX, I do not need this worry.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit alert on my credit journey that I have on my chase credit card. There was a new credit inquiry on XX/XX/23 from lender : COMENITYCB/XXXX XXXXXXXX XXXX I contacted comenitycbXXXX XXXX and was told someone filled out an application to open a new credit card with my name and social security number as well as an old home address. I informed comenity that I did not apply for a credit card with them. They cancelled the application for the credit card and directed me to contact all credit bureaus to report the fraud.
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: in XXXX of XXXX i made a purchase at XXXX and then got in the mail a denial letter for a credit card application i never applied for. the bank being Comenity XXXX XXXX. XX/XX/. this was done without my knowledge.
Company Response:
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
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: A dispute was filed with Comenity Bank over the phone regarding a purchase made on XXXX, the amount of {$1500.00}, a Mens bracelet, Item was refused via XXXX, received back by merchant on XXXX, XXXX tracking info attached to this complaint as well as transaction detail.. For whatever reason, merchant has not refunded to date. Dispute was filed several days ago, nothing done in re thus far as far as I know.. The account in question with Jared/Comenity Bank XXXX XXXX XXXX. Please see attached transaction detail as well as XXXX tracking info showing return..
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from " XXXX XXXX XXXX '', dated XX/XX/XXXX, stating " We are trying to collect on your Comenity Capital Bank debt that you now owe to XXXX. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to XXXX XXXX XXXX XXXX XXXX, which is now the sole owner of the debt ''. This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe XXXX XXXX XXXX is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX and XXXX XXXX as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter. They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " COMENITY CAPITAL BANK XXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX. The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly. Below I will list off contact info they have listed in the letter : Email : XXXX XXXX : XXXX Send payments to : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : Consumer Support Services XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, MI XXXX You may also call : XXXX ''
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom this may concern, I am writing to request the removal of my latest unauthorized hard credit inquiry. I have no clue what company it is but the it occurred and showed on my XXXX XXXX is XX/XX/23. I did NOT authorize this inquiry and dont know where it is coming from.
Company Response:
State: OR
Zip: 979XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A