Date Received: 2023-01-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone stole my identity and XXXX XXXX to open XXXX new credit cards issued by Comenity Captial on XX/XX/XXXX. I learned from the creditor that below purchases were made by the criminal at same day after new accounts are opened. XXXX. XXXX purchases {$680.00} and {$130.00} made by XXXX XXXX card at XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX. XXXX purchase {$610.00} made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX From XX/XX/XXXX to XX/XX/XXXX, I have called XXXX credit bureaus XXXX, XXXX, XXXX to dispute the new hard inquiry appeared on my credit report and requested for removal. I also requested the creditor to close new accounts and start fraud investigation immediately. I also submitted police report to protect myself from future crimes by using my identity.
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX XXXX XXXX, someone who is not me was able to open up a credit card under my name, email and home address. They spent over {$200.00} at Children 's Palace. I received an email of these charges and notified Children 's palace in which they cancelled the order. I had just changed phone numbers in XXXX XXXX XXXX because I was constantly getting spam messages, emails and calls. Then i received an alert from XXXX XXXX that a new line of credit had been added. I HAVE NOT HAD AN OPEN CREDIT ACCOUNT SINCE XXXXI was able to sign into the online account of Childrens whatever because they signed up with my XXXX and old phone number. From there I was able to see the name and address of criminal who is impersonating me and using my credentials to open accounts. i have reached out to all three credit bureaus and put a freeze on them.
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I made a purchase for XXXX tickets back in XXXX of 2022. I used my NFL Extra Points card because they advertised 0.0 % interest on XXXX tickets for 6 months on a mailer they sent out with activation of my card. I called in and spoke with an agent to activate my card, and verified with the agent that if I used the card to buy XXXX tickets there would be no interest, and was advised that was correct. XXXX months later I was logging in to pay off the remaining balance to avoid interest and found Ive been charged interest since day 1. There has been over {$130.00} in interest actual over the 6 months. I feel this is very deceptive, and an unfair business practice of Comenity bank. I called in to close my account last week, and when speaking with a representative they suggested speaking with a supervisor. They went to transfer me, I was on hold for over XXXX and then was disconnected. I called in again today, spoke with 2 supervisors that said there was nothing they could do about the interest that was charged. So I requested to close my account due to their deceptive practices with charging interest when I was told there would not be any.
Company Response:
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, In XX/XX/XXXX, my XXXX XXXX XXXX account was transferred to Comenity Bank for debt collection. Just one account. I have documentation to proof that Comenity opened an additional 6 unauthorized accounts for debt collection. I would like to file a complaint against Comenity Bank for fraudulent debt collection. I have summarized my interaction with Comenity Bank from XX/XX/XXXX to XX/XX/XXXX in this document. I also provided documentation of the emails, postal mails I received from Comenity Bank and the phone conversations with them showing the multiple accounts and their method to confuse me about my current account status. I think I provided everything necessary, but if you find I omitted something, please let me know. Sincerely, XXXX XXXX Comenity Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, United States Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received letter from Comenity Bank informing me of the new account balance transfer from XXXX XXXX XXXX to Comenity Bank. Please note the a partial account number is provided and the letter states it is for account ending in numbers XXXX. XX/XX/XXXX I received a letter from Comenity Bank informing me of my balance due for the account ending in XXXX. It is shown in my complaint with the payment due and balance due retracted. XX/XX/XXXX I received an email from Comenity Bank. Subject : Confirming XX/XX/XXXX transactions on your account are accurate. Please note, an account number isnt provided. XX/XX/XXXX I called Comenity Bank at XXXX, which is their general customer support number. I explained my purpose for calling was to obtain the full account number ending in XXXX, so I could make online payments. The call lasted 18 minutes as I was transferred a lot from rep to rep. The final support rep I spoke to ( I didnt write his name down ) told me he couldnt give me the full account number, and explained the full account number would be on the new card sent to me. So, I requested a new card and he said great, I should receive it in 24 hours-48 hours. XX/XX/XXXX I received an email from Comenity Bank. Subject : Your monthly payment due date is different for your new XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Note the account number referenced in this email ends in XXXX and not XXXX. I now have two accounts with Comenity Bank for debt collection. The account ending in numbers is XXXX is fraudulent. I never authorized Comenity Bank to open a second account in my name. XX/XX/XXXX I received an email from Comenity Bank. Subject : Heres the link you asked for. ( This email is in response to my conversation on XX/XX/XXXX asking for a new card so I would know my full account number to make online payments. ) Please note the account number in this email ends in XXXX. Comenity Bank called me on this day and left a voicemail for me to call them back. Contact is XXXX XXXX extension XXXX. I called back XXXX and made a payment over the phone. I asked her for the full account number so I could make online payments, but she said she couldnt give me the full account number. I gave her the other account number ( XXXX ) and asked here which account was the correct one. The only thing she could confirm for me was the account ending in XXXX was the correct account for payment. The payment is shown on the XXXX statement for the account ending in XXXX. I have also included a redacted copy of my Comenity Bank statement from XX/XX/XXXX. Please note the statement does not provide the full account number but it does end in the numbers XXXX, I previously confirmed with my conversation with XXXX on XX/XX/XXXX. I intentionally left the Details of your transaction information visible to show to you I was making regular payments. This will be the only statement from account XXXX I will add to this complaint. XX/XX/XXXX I received a postal letter from Comenity Bank for account ending in numbers XXXX with their reply denying my request for a replacement card ( from my XX/XX/XXXX phone conversation ) so I could see the full account number in order to make an online payment. XX/XX/XXXX I received an email from Comenity Bank. Subject : Your XXXX XXXX credit card statement is now available online. I still dont know my full account number which is required to log onto their site to make a payment. So this email is useless to me. Also, note the email doesnt reference any account number. I redacted the amount due on this document. XX/XX/XXXX I received an email from Comenity Bank. Subject : XXXX, wed like to hear from you. Note this email references the account ending in XXXX. Im still receiving mailed statements from Comenity Bank requesting payment for the account ending in XXXX. XX/XX/XXXX I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX. I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX. I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX. I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX. I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX. Thats right. Five letters from Comenity Bank received on the same day with different account numbers. Now, I have XXXX XXXX XXXX XXXX XXXX XXXX Credit card accounts, six of which are fraudulent, as I didnt authorize Comenity Bank to open any new accounts in my name. The account ending in XXXX is the only legit account. XX/XX/XXXX I called XXXX XXXX extension XXXX to make another payment over the phone for account ending in XXXX. I couldnt reach her, but another rep took my payment over the phone. XX/XX/XXXX I received an email from Comenity Bank. Subject : Your payment is due soon. The account referenced is the one ending in XXXX. Ive included a redacted copy with this complaint. XXXX XXXX XXXX I forwarded the email dated XX/XX/XXXX to XXXX with the subject : FRAUDULENT Account ending in XXXX Fwd : Your payment is due soon. The content : XXXX, I received this notice to make a payment for an account ending in XXXX. I never authorized Comenity Bank to open this account ending XXXX. This is an illegal, fraudulent account. Please closed it immediately as I refuse to make payment to this account. The true account in my name ends in number XXXX. I called Comenity on XX/XX/XXXX and I authorized a {$500.00} EFT payment/transaction only for that account. My account is up to date. Please kindly reply to this email to confirm you have closed the fraudulent account ending in XXXX. I will file formal complaints with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau for fraudulent debt collection. Sincerely, XXXX XXXX I never received a direct email reply to my email above. And the payment date I reference in the email above was incorrect. Payment was made over the phone on XX/XX/XXXX and is shown on XXXX statement for account ending in XXXX. However XX/XX/XXXX I received a letter from Comenity Bank. Its opening states, Were providing your XXXX XXXX XXXX XXXX XXXX Credit Card account number so you can make a payment on your remaining balance. ( So now, I finally have the full account number to make online paymentsbut this letter references the account ending in XXXX and not XXXX. ) I tried to log onto their XXXX XXXX site, but I receive an error message when I enter the account information in the letter they mailed to me for account XXXX. Ive included a redacted version of this letter with this complaint. XX/XX/XXXX I mailed a check payment to Comenity Bank for the account ending in XXXX. The address : XXXX XXXX XXXX, XXXX TX XXXX Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ive been with comenitry / jarred bank for over a year there finance department is completely horrible if my payments are late by one day the are adding extra fees and including a extra payment to my account and if I dont pay the extra fees and payments they would report me to the credit bureau as being over 30 lates and then when I make my minimum payment they still say that Im late and the never give me a grace period for my payment Ive been sending in letters and calling customer service and when I ask to speak to a supervisor they get rude and refuse to transfer me to a supervisor my last payment I made was in XXXX due to the fact that I was completely Ill due to XXXX XXXX when I was able to call today they stated that I almost XXXX for my account this is completely unacceptable and horrible they take advantage of the consumers and when I call they dont help at all
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank has called my phone XXXX times within XXXX days. There has been no voicemail to explain the repeated calls. On XXXX, there were XXXX calls. On XX/XX/12, there were XXXX calls. Other days, they averaged XXXX calls daily- again, without a voicemail.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have an NFL Extra Points card now issued by Comenity Bank. One of the promotions they advertised was receiving a {$100.00} statement credit if you have over {$500.00} in purchases other than NFL purchases within the first 90 days of the card 's issue. I met that requirement within the first 60 days. The issue date of the credit card was XX/XX/XXXX. I met the {$500.00} non-NFL purchases by XX/XX/XXXX. I have called and sent secure messages on their website starting in XX/XX/XXXX. As of XX/XX/XXXX I still have not received the {$100.00} statement credit. I received a letter from Comenity Bank dated XX/XX/XXXX saying I received the credit on the XX/XX/XXXX statement, which is not true. They have also removed all of the secure messages except the most recent one. They do not keep the rewards points available to review on their website nor do they include that information on your monthly statement. They still advertise the {$100.00} statement credit upon {$500.00} non-NFL purchases within the first 90 days. There are more issues but they fall under the payments category. I have never had such a deceptive company issuing a credit card. The NFL should be ashamed of putting their massive brand on a company that is totally unprepared to handle credit cards.
Company Response:
State: PA
Zip: 17042
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Commenity Bank starts calling me promptly at XXXX most days. I block a number and they use a different one. They call me an average of 7 or more times per day.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I was alerted that COMENITY CAPITAL/XXXX XXXXhat someone was applying for a new line of credit under my maiden last name. I did not apply for new line of credit.
Company Response:
State: CO
Zip: 80503
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Getting inquiries I didnt apply for it
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A