Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX dollars of late fee due to their system issues and I paid my balance down to XXXX dollars. I don't feel I should be penalized for their system errors.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
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: XXXX opened a credit card account without my knowledge. On XX/XX/XXXX I went to XXXX store XXXX in XXXX XXXX Fl to buy some clothes for an upcoming court date. When I went buy my clothes at the register the cashier asked me if I had a phone number with XXXX to get a discount on the clothes, I said no and she asked me if I wanted to sign up for it and I agreed. It is extremely important to mention that this lady NEVER said a single word about a credit card at any point during this interaction and the information that I had to give was my phone number and a signature. Fast forward 3 months later on XX/XX/XXXX I get notifications from XXXX and XXXX XXXX telling me that a new account with COMENITYCAPITAL/XXXX was XXXX to my credit report and that it was 30 days past due. This came as a complete shock to me because as I previously stated no credit card was ever mentioned. I disputed this information with all XXXX credit bureaus and my disputes were denied so I reached out to XXXX on XXXX separate occasions once on XX/XX/XXXX and twice on XX/XX/XXXX each call I was placed on hold for over an hour the first call I hung up because I had to go to work, the other XXXX calls I waited and when I finally got through to someone they said that the credit card had been sent to my address on file but I never received the credit card physically or virtually, with that being said I explained what happened and she said that she would mark the account as unsolicited asked me to wait and then hung up on me. The second person I spoke with I told about the situation with the first person and she told me that no changes had been made to the account she asked me to wait and then hung up on me just like the first person. I was very respectful and was not speaking in an aggressive manner or using inappropriate language and no one attempted to reach back out to me that day. So I waited until XX/XX/XXXX to compose an email and send it which I know it is a holiday but I just wanted to have it sent already so that they would have the information and contact me when someone would be there to email me back. They havent made any attempts to contact me at all and they are trying to hold me responsible for a credit card that I can not stress this enough DID NOT WANT and even worse a credit card that I never received or have access to. All I want from this is to have the account itself and the late payment taken off of my credit report because the account shouldnt even exist in the first place. And all anyone has to do is look at all the other accounts on my credit report and see that they were all paid and paid on time during the same period that they try to say I didnt make payments on a credit card that I dont have. Ive never missed a payment in my life and now they are ruining my credit that I worked so hard to build.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XX/XX/XXXX I signed a XXXX XXXX ( XXXX ) with XXXXXXXX XXXX XXXX for {$3500.00} and XXXX opened a Credit Card on my behalf with XXXX Bank to make the payment. - I cancelled the contract on XX/XX/XXXX sending a mail to Account XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX as indicated in the contract XXXX. XXXX was received. -On XX/XX/XXXX I got a letter in the mail from XXXX were I was informed they had completed my request to rescind the contract XXXX and that any payment was refunded in the same manner it was paid. XXXX contacted XXXX Bank XXXX inform about this but due to the time of the letter ( XX/XX/XXXX ) I still made the first payment on XX/XX/XXXX. -In XX/XX/XXXX they opened a claim and put a freeze on my account. XXXX XXXX I mailed to Comenity Capital Bank XXXX XXXX XXXX XXXX, XXXX XXXX OH, XXXX the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time. - I also messaged them through Message Center and uploaded all documents sent via mail. -Comenity still have the balance of {$3400.00} open on the account and has not provided any updates on the investigation. XXXX XXXX says I owe a money XXXX says has already refunded in XXXX and that I have provided proof of it. XXXX got a letter in the mail in XX/XX/XXXX stating that a credit was not applied to my account for a canceled order and that they were not able to verify that the cancellation was made. They are asking me to send the confirmation I received. I have provided all documents stated above ( the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time ). -Comenity is now charging the monthly balance for a contract that was canceled and like the investigation didn't go through.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Last year I purchased an item through a Jared Store Credit Card, provided by Comenity Bank. The item was purchased on a plan stating no interest if paid in full within 12 months. The end date of the plan was XX/XX/XXXX. I had automatic payments of {$300.00} applied to the account on the XXXX of every month for the course of the year. My XXXX statement ( attached ) indicated that I had until XX/XX/XXXX to pay the remaining {$1400.00} on the account or the accrued interest would be applied. To avoid this I issued a payment of {$1500.00} on XX/XX/XXXX, thinking that this would satisfy the terms. On XX/XX/XXXX I was charged {$1100.00} in accrued interest for the promotional plan. When I called the bank to resolve the issue I was told a variety of things ( ex. I can't be helped because it was too far from the end of the promotional plan, I had to call customer service in order to pay that balance off, that the {$1500.00} applied to the minimum due first so the terms were not met ). The XXXX statement simply indicated that I needed to pay {$1500.00} by XX/XX/XXXX, which I did. I had no indication that the terms were not met until XX/XX/XXXX when I logged into the account and saw the interest charge applied. Please let me know if you need any additional information from me. Thank you for your assistance.
Company Response:
State: OH
Zip: 45459
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear COMENITYCAPITAL/ZALESXXXX ; ( Account Number XXXX ) I was shocked when I reviewed my credit report and found late payment on the dates below : ( from XXXX XXXX ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, XXXX XXXX XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was charged off in XXXX and they just charged it off again in XX/XX/XXXX. Plus its a charged off with a balance.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed my Kay XXXX account with Comenity many years ago. However, this card still is reported on all of my credit accounts. I have appealed to Comenity itself and all of the credit agencies/bureaus, and they have refused to mark the account as closed. I do not have an account with Kay XXXX or Comenity. I have not had an account for years. Their continued insistence that I have an account, and their reporting of it despite my repeated protests, is fraudulent.
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
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: Hi I made a purchase on XX/XX/2022 off XXXX XXXX I tried to reach them with no success. I found out it was a fraudulent company through another company. I never received the item so a called in XXXX before the 90 day cut off. I never received a provisional credit for the purchase. I was told it would take XXXX to investigate the dispute. I called after the 90 days because I was never credited. I was told they are still investigating. I spoke to several people including XXXX supervisors XXXX, XXXX, XXXX and XXXX and got no where. I am on the phone with yet another supervisor XXXX and getting no where again. He wants me to put in another dispute and wait another 90 days. I just want my {$140.00} back. This is ABSOLUTELY UNACCEPTABLE. How many times do I have to call to get my money back. He put another dispute through this time someone gave me a reference number XXXX. I have not receive any mail or emails regarding the dispute. I sent several message through my online for the credit card and also did not get any where with them. Please help me get my money back it is not a lot of money, but it is my money. This company has made so much money on me for finance charges and I was always a good loyal customer that was never late. Thank you XXXX
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: After paying on a no-interest 24 month purchase, for two years, Comenity Bank suddenly and without warning charged me {$650.00} in interest on the purchase. The final payment was about {$100.00}. I had my account on auto-pay, but the final payment on that purchase was not included in the autopay payment. Thus, I missed it and they charged me the interest. I was not sent an email or text messaged about this imminent interest charge, despite being on their call/text list for account information. I regularly receive marketing and account information in those ways from Comenity for this account, so it is perplexing why they would not contact me. Two deaths in my family prevented me from dealing with this account until now. I called Comenity on XX/XX/17 at XXXX and they said they could not eliminate the charge or issue me a credit. I am filling a complaint that they violated consumer protection laws by not informing me of the impending {$650.00} interest charge, by not increasing my auto pay amount at that I could pay the balance and avoid the charge, and by not offering to me to increase my auto pay so I could avoid the charge.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I mailed my payment XX/XX/XXXX. My payment was due XX/XX/XXXX. Comenity/Torrid did not post my payment until XX/XX/XXXX. I have been assessed a {$30.00} late fee. I called the Customer service number to have it taken off my account. They could do a onetime curtesy and take it off my account. I told them that I mailed it in plenty of time before my due date. The agent told me that it was not their problem that the US Mail was backed up due to the Holiday. I said that was not my problem either since I had it mailed in time. To get the onetime curtesy, I would have to listen to their disclosure. I told them they could say it, but I would not AGREE to it since my check was mailed and post marked before it was due. They told me that they could not delete the charge unless I agreed to the terms. I said I would call back with the law. When I called back, I explain everything again. Again, they said they would do a onetime curtesy. When I told them about the Postmark Payment Act of 2014 and that my check was mailed before it was due. They said that it didn't matter, their company policy was when they receive the check. They also told me that I should mail my check out 14 days before the due date I didn't do that. I did mail it out 14 days before the due date and they took 22 days to post it. When I tried to explain it again, the agent hung up on me.
Company Response:
State: SC
Zip: 29906
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A