Date Received: 2023-01-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today I received the attached letter from Comenity Bank, and what they continue to do to slander my credit should be illegal. I have had no dealings with ComenityXXXX since XXXX of XXXX. And from that time to present, on a monthly basis, Comenity has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. I do not owe this fraudulent balance {$1600.00} that Comenity has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. They claim to have charged off an account on XX/XX/XXXX, this is not true. On my credit files, for at least a year beyond XX/XX/XXXX, Comenity was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. Since XXXX to present, my credit files were being dinged twice for duplicate false information. This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and Comenity would report the same false information as well. And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of Comenity XXXX XXXX XXXX I have previously complained about Comenity XXXX XXXX who has now rebranded under the name of XXXX XXXX. In checking the XXXX, I have found that they have an ALERT, for Comenity, and they have XXXX complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.
Company Response:
State: TX
Zip: 76063
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: I paid my charge of {$38.00} with a check. The bank says check XXXX was paid and the Comenity Bank for the Woman Within Charge Card keeps calling me for finance and interest fees I do not owe. Comenity Bank has XXXX complaints on the XXXX website and needs to be closed due to fraudulent practices.
Company Response:
State: NE
Zip: 681XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I would like to file a complaint against XXXX XXXX XXXX XXXX XXXX Credit Card which is administered by Comenity Capital Bank for its fraudulent practices and predatory late fee charges. On my XX/XX/XXXX statement ( Exhibition XXXX ), I was charged {$25.00} late fee for an amount of {$650.00} due on XX/XX/XXXX in accordance with the XX/XX/XXXX statement ( Exhibition XXXX ), however, for being received on XX/XX/XXXX. This is the first time I have ever been charged with a late fee since Comenity Capital Bank took over in XX/XX/XXXX. As you can see in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ), I paid off the full amount on the XXXX day of the previous month which always arrived before or on the XXXX day of the due month for this credit card. There was never an issue of lateness before for this or other credit card, however, my XXXX payment mysteriously arrived XXXX days later. I contacted the Customer Service by dialing XXXX to ask for the {$25.00} back on XX/XX/XXXX but in vain. The Comenity Capital Banks fraudulent practices is hair raising, to say the least. As shown in the XX/XX/XXXX statement ( Exhibition XXXX ), I was asked to pay {$1300.00} due on XX/XX/XXXX in a separate e-mail ( Exhibition XXXX ) sent out on XX/XX/XXXX. Without realizing I had already paid the bill, I paid the amount again on XX/XX/XXXX which can be seen in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ). As you can see in the XX/XX/XXXX statement ( Exhibition XXXX ), Comenity Capital Bank now owes me {$130.00} for the bill due in XX/XX/XXXX. I hope this kind of very damaging fraudulent practice can be stopped.
Company Response:
State: CT
Zip: 06492
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Two months ago i opened XXXX visa card that promise me rewards for usage. They also promise in advertisement that {$20.00} as credit to account will be given to me after i spent {$500.00} within three first months. On their it's always impossible to redeem my rewards ( even look at them ), for two months the site gives you message that there is technical issues ( see screenshot attached ). I called them three times (! ) and through barely heard voices ( this is feature of company to fool clients ) i ordered my rewards ( over {$20.00} ) and {$20.00} promotional to be credited to my account. They promise me that and even ( upon my request ) gave me confirmation number. Since that - my rewards disappeared from my account but never show up in my balance. ( See attachment as of today ). I consider such practice of company as a fraud and ask you to force them to fulfill their obligations. I want my {$20.00} promotion and earned rewards to be posted on my account immediately! And this business must be investigated, because one hour of waiting on hold is not right practice for financial related company.
Company Response:
State: NY
Zip: XXXXX
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: 2023-01-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX I called Comenity to let them know that I was being financially affected by a severe downturn in the mortgage industry in which I work and asked about any relief programs they had to help me make by payments to them I was offered a long term workout program that would close my account, set the interest rate to XXXX and waive any late fees and interest charges for a 5 year period. My payment would my present balance on the card amortized over 60 months at an interest rate of 0 %. I have two accounts with Comenity - a Comenity XXXX and a XXXX XXXX account. I was told I had to enroll both accounts as their policy is if you enroll XXXX account, you must enroll all accounts with the bank I accepted and went through a telephone enrollment for both accounts. I paid a start up fee and was notified of a new reduced payment I would then need to make by the dues date every month Since enrolling in the program, I have paid the monthly payments I was told a few days before the due date every month. Around XXXX or XXXX I started to receive collection calls for the XXXX XXXX account. I also noticed that I was still being charged late fees and interest. When I spoke with representatives at Comenity 's XXXX XXXX division they told me that there was a system upgrade at XXXX XXXX that had erroneously failed to enroll some people into the hardship program but they would note the file to be investigated and resolved and I should continue to make the payments quoted by the long term workout department when I initially enrolled They informed me that the Comenity XXXX was unaffected and had been successfully enrolled and reiterated their policy of enrolling all accounts when one account was enrolled so the fact that the Comity XXXX had been enrolled was further evidence that the failure to enroll the XXXX XXXX account was simply an error on their part. They told me to wait 30 days for the account to be corrected before calling back in Since then I've called ComenityXXXX XXXX about once a month and spent probably XXXX hours on the phone with them. I've talked to at least a dozen front line employees and half dozen supervisors They all seem to be able to see the problem but are powerless to change anything. I'm always told they are sending it to their back office for investigation but nothing ever comes from it. Or I'm told they requested correction and to call back in a few days but when I do I'm on the phone for an hour explaining my problem to someone who tells we the same thing When I initially enrolled by balance on the XXXX XXXX card was {$2200.00}. I have not charges anything to the card. I was to receive credit for two months late fee of {$41.00} each for making 4 on time payments, which I have. I have made {$220.00} worth of payments since then. My balance should be ( XXXX - XXXX - XXXX ) {$1900.00}, yet the last statement received says I owe {$2400.00} - a difference attributed to the late fees and interest they have been charging my account in error To further add insult to injury, Comenity/XXXX XXXX has started to report my account past due to the credit bureaus. This has impacted my credit score and resulted in adverse action taken by other creditors as well as an increase in the amount I have to pay for my car and renters insurance I have made numerous calls, spent hours of my time speaking to Comenity/XXXX XXXX and have been unable to resolve this. Please help me to have this resolved
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX of XXXX I opened a store credit card with XXXX XXXX XXXX XXXX Credit Card. On XX/XX/XXXX, I set up a payment in the amount of {$150.00} to be made to the credit card through my bank 's bill pay system - XXXX XXXX Bank. When I received my next billing statement, it indicated that no payment had been received and they charged me a late fee. I confirmed with my bank that the payment was sent out and had my account number attached to it. I then sent messages through the Credit Card messaging portal but they just kept requesting a payment, they did however waive the late fee. I did make a payment through the portal at that time as I did not want a late payment being reflected on my account. XXXX finally sent me a letter through XXXX Bank on XX/XX/XXXX requesting that I telephone them to resolve my inquiry. I did telephone them on XX/XX/XXXX at XXXX, I spent XXXX minutes on the phone with a representative She took down all of my information and indicated she saw the notes in the computer from my prior messages and that they would get this resolved for me. On XX/XX/XXXX, after more than a month went by I began messaging them again and I would get generic responses of which I would respond pleading with someone to please read my messages and respond appropriately. They then requested that I call them and file a claim, I stated that i already did that. So again, on XX/XX/XXXX at XXXX I telephoned them and spent XXXX minutes on the phone. The representative told me something to the effect of - Don't worry this time you filed a claim. I told her yes and I have already done this once before! She was apologetic. On XX/XX/XXXX I received a letter assuring me they are looking into the matter. Still, I hear nothing so on XX/XX/XXXX I message them requesting an update. I am told I have already filed a claim and they are looking into it. Months later on XX/XX/XXXX i receive another letter from them requesting a lengthy list of information of which I've already provided!! I am done trying to chase this money with them and am hoping for a resolution.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Monday, XX/XX/XXXX In XX/XX/XXXX, I contacted the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX | XXXXXXXX XXXX XXXXXXXX, ( XXXX ) XXXX |Fax : ( XXXX ) XXXX. Informed me on XX/XX/XXXX they send Comenity Bank a letter regarding this matter, and if it still wasn't resolved, contact the Consumer Finance Protection Bureau. The XXXX account with Comenity Bank in XXXX ; the payments were on time. However, instead of XXXX placing the funds toward the XXXX account, the funds were attached to the XXXX account, which was also XXXX ; no clarification how that happened. In the meantime, I wrote a letter to close the account until the matter was resolved. The balance has been XXXX for at least several months ; Comenity Bank informed me to reactivate the account, I would need to write a letter stating to activate the following cards XXXX, XXXX, and XXXX. As Comenity Bank advised, XXXX XXXX, I wrote a letter ; however, XXXX months have passed since I wrote it the letter, and the few times they were called, they still will not remove the code. In addition, Comenity Bank never provided any feedback regarding the letter or the account.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am being repeatedly called by XXXX in regards to the XXXX credit card. I have been out of town as an immediate family member died suddenly. I missed XXXX payment due date while I was gone because I had family matters to handle. I have a payment scheduled. I was called XXXX times today ( XX/XX/2023 ) alone. The times are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told them a payment was already scheduled and just buried a family member and their behavior is extremely harassing. I asked them to stop calling me. I have NEVER had a credit card contact me so relentlessly over XXXX missed payment. This has been going on for XXXX days straight.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2022 i went to The XXXX XXXX in XXXX XXXX XXXX to purchase uniforms for my kid. When i go to pay for my items the cashier says if you sign up for a XXXX rewards card youll get {$20.00} off your transaction. I said ok cool. So while shes processing the account she asked for my license and then she called somebody on the phone. After speaking to whomever she was speaking with, she gave me my license back and said i was approved for {$300.00} credit limit. I asked maam did you just sign me up for a credit card? She paused and slowly said yes. I told her i didnt want a credit card, i dont own any and if she would have said it was a credit card i would have said no. I told her cancel it because i didnt want it. She said she couldnt cancel it. I would have to call and cancel. i was in the middle of buying a house and didnt want to mess up my credit score. She then explained i wouldnt have to pay anything unless i used the card no monthly fees or anything. she then asked did i want to use the card to make the transaction and i said no because Im going to cancel it. So i swiped my debit card and a receipt comes out. I called the number she provided to cancel it and the supervisor was rude and said it was nothing they can do and that they can close my account but it will drop points on my credit score. XXXX months later i started getting calls so i kept blocking the different numbers i thought it was a scam. So i finally googled the number and it came back to comenity bank. So i called them to ask why they keep calling? They said i owed {$150.00}. I told them i didnt owe anything. I said somebody else must be using the account. I said I never even received a credit card or statement at my in the mail. I then found out they had the wrong address and never updated it until later when i told them i was recording the conversations. I checked my bank statement and my debit card never paid for the transaction. I called the manager of the XXXX place and explain what happed. She pulled up my receipt then she also explain that when you sign up for the card it automatically pays for the transaction. She also said there was nothing she could do about the fees and credit card etc. I asked her so why did the cashier ask me if i wanted to use the credit card like i had a choice? She said she didnt know. I then called comenity bank back and explained what happened. They kept telling me they couldnt help me until I made a payment. I told them i will only pay for my transaction at the store because they didnt use my debit card like I thought and I didnt authorize the store to create a credit card account or purchase the items with the credit card account. nobody told me the transaction would go on the credit card account. the first and only statement i received was when i closed the account and the guy agreed that i can pay the transaction fee and they would waive the rest and then would close the account ( I have an audio recording of the phone call that took place ). I paid the transaction amount and closed the account. In which I found out the payment I paid was more than the transaction amount. The next day they sent me a bill stating what i paid and that i still owed. They never did an inquiry on my credit reports. They only then reported i owed money, {$110.00}. And now they are saying i made another payment which is not correct, i only made that XXXX payment in XXXX for {$85.00} that I thought was the transaction fee but it was more. I have the recording of when the guy agreed to waive all the fees if i pay the transaction amount and it would be a XXXX balance after.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XXXX XXXX I attempted but was not able to use to use my XXXX XXXX Credit Card. I attempted XXXX {$45.00} payments to Commenity Bank in the XXXX XXXX store at XXXX XXXX XXXX Delaware. Cashier stated both did not go through. I later checked my bank account and both transaction did post and were deducted from my bank account. I reached out to the store a few times before getting assistance. A XXXX sent an email to the XXXX and XXXX XXXX XXXX and included me on XX/XX/XXXX. I have called Commenity Bank at least 7 times regarding this and keep getting no where, hung up on, or told to check at the store. The store XXXX today XX/XX/XXXX, told me it is not their problem. Commenity Bank has sent XXXX letters stating my account is over due, I've received XXXX late payment fees, and they reported me late to the credit bureau high drastically dropped my score. I have not been late or missed a payment for over 3 years now. I am attempted to purchase have a home and this mistake has derailed the plans incorrectly so. XXXX person from Commenity Bank said the I vestigation could take up to 90 days, meanwhile my credit is being damaged and there is no concern or attempts at correcting their error. I have submitted the screen shot from the bank showing the completed transactions as requested.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A