Date Received: 2023-12-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My landlord XXXX XXXX went into my room I rented from her stole my XXXX drivers license. XXXX XXXX XXXX over XXXX times, XXXX XXXX police XXXX XXXX # XXXX responded. I said my stuff was stolen while XXXX inspected my room. All XXXX officers appeared XXXX at a time and did not arrest her. XXXX XXXX appeared with XXXX XXXX witnessed XXXX throwing all my food out. XXXX bank statements were stolen by XXXX XXXX XX/XX/2023. I didnt authorize anyone to put any credit cards-in my name XXXX XXXX XXXX XXXX at all. She has my social security card, XXXX birth certificate as well. I left everything when she along with XXXX # XXXX & XXXX # XXXX left me unconscious in my own blood inside XXXX XXXX XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I over payed my credit card it by a significant amount. The balance to be returned is {$1200.00}. Subsequently, I closed the account due to many other concerns with Comenity Bank. Comenity claims they sent the check on XX/XX/23. I do not have the check. On discussion Comenity suggested I research my deposits which show no check for that amount. I requested a copy of the cleared check on three occasions which I have never received. I would like to see the cleared check so that I can verify reimbursement.
Company Response:
State: NJ
Zip: 081XX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have an AAA credit card that was transferred from XXXX XXXX XXXXXXXX to Comenity Bank a year or so ago. I have the card for a long time and Comenity just closed my account quite arbitrarily without even providing a clear reason. My credit score has been above 800 and I have been using and paying off the card regularly. More details : It started when I tried to add my AAA card to XXXX XXXX on XX/XX/2023, but wasn't able to receive the verification code. Following the app instructions, I called and was able to receive the code the phone rep sent. However, they then told me my phone turned out to be ineligible for identity verification and as a result, my account was suspended automatically by their system. ( I'm on a data-only plan and use XXXX XXXX as my main number. ) They asked me to email photocopies of my driver 's license, social security card, and a utility bill to prove my address. A few days after I emailed, they permanently closed my account because " there continued to be security concerns with my account ''. I called them again and they couldn't even tell me what the problem was as they claimed that they had deleted the email for privacy reasons.
Company Response:
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card from XXXX XXXX ( serviced by Comenity ) used to purchase furniture for a new home in XXXX of XXXX. The credit card offered a 1.99 % interest rate for 36 months for the purchase. I have paid this account religiously. In XXXX of XXXX, I inadvertently made a payment to the account for my XXXX payment BEFORE the statement closing date at the end of XXXX resulting in 2 payments posting in XXXX. When I realized the payment posted for XXXX instead of XXXX, I immediately called Comenity to ask that they apply this payment to the XXXX billing and was told it wasn't possible. I told they would credit the extra payment back to my checking account and that I could then make the XXXX payment with that refund. Seemed logical and I did exactly what I said I would do. I made the XXXX payment with the money refunded. There was no mention of the fact that it would appear as an actual purchase subject to 30.24 % interest on my account. I did not notice what they did until the XXXX Statement when I saw that I am being charged this 30.24 % interest on revolving balance charge to the account of {$270.00}. Again, this was not a charge, it was them refunding an over payment that I made to Comenity. After 30 minutes on the phone with them this morning and no resolution I am filing this complaint. I went online and paid this balance while speaking to person # 3 of the call, a supervisor, and told him that the payment was made and that I wanted the revolving balance removed. He said he could do anything. I was instructed I had to call back after the XXXX billing period closes and request to have the payment reallocated to eliminate the revolving charge. Comenity is deceptive and is taking advantage of consumers. Had I not noticed this, I would have been charges 30 % interest on this balance for the next 16 months without knowing. I have never had an experince like this with any other credit card. I want the interest charges reversed for this fictitious charge.
Company Response:
State: WA
Zip: 98684
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an account online through XXXX and purchased a bag of dog food thinking this would be a good way to build my credit. I never received a card or a single piece of mail. After requesting it be sent multiple times I actually purchased a po box to try to receive the card. When I called Commenity Bank to update my address they did not tell me at that time they can not send cards to a po box and updated it anyway. To this day I still have not received a card, a statement, or anything showing my account information or where/how to make payments. I have called multiple times asking to pay the actual balance and take off the late fees and been vehemently denied. This is fraud. This is ruining my credit and is completely unfair.
Company Response:
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to express my concern and submit a complaint to COMENITY BANK/JARED regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, COMENITY BANK/JARED will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Company Response:
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dell decided to switch to Comenity ( XX/XX/2023 ) to now service their financing. It has been an absolute mess of a transition. My account was " transitioned '' to Comenity, but the only way you can setup your so called new account is by having an account number to a system that never existed prior. They apparently mail you your account number... well I never got anything and they state they won't give you your account number over the phone, so I have XXXX access to my account. I see this practice as entirely predatory to switch servicers and make it extremely difficult to then make a payment, especially when you had your payments on autopay before. Now my account is delinquent, I have no way to make a payment, and they continue to charge late fees. I can rightly assume that they've made a fortune in late fees already from people who can't figure out this convoluted and frankly extremely disruptive process to an existing store card account. This is not only been inconvenient, but has cost me money and valuable time when this could've been done exponentially better. I now have to wait again to receive an account number in the mail ( this is 2023, how is this even still allowed ), since they don't even put the account number on the statements. yes thats right, you can't even get the account number on your statement so you just see your balance accrue and have nothing you can do about it because they won't give you your account number over the phone ....
Company Response:
State: KY
Zip: 41011
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I placed an order with XXXX XXXX ( Comenity Bank ) around XX/XX/23 totaling {$100.00}. I was given a credit card with a {$500.00} limit. I received my first bill in late XXXX indicating that {$30.00} was due by XX/XX/23. I set up payment from my checking account and sent my first payment of {$30.00} on XX/XX/23. In late XXXX, I received my second bill showing a balance due of $ {$130.00} indicating no payment had been received. I called number listed on my bill but kept getting recordings, I requested my account be closed on this automated system. I tried calling the order number and asking for someone in billing. I talked with someone who stated the payment was probably late since it takes XXXX days to get to them. I informed him that even if it took that long it should not have been late. I was put on hold and told that the payment had been received and they had removed the {$30.00} late fee and I owed {$76.00}. I was also told that I needed to add Comenity Bank to the name on my XXXX deposit so that the payment would be credited correctly, which I did. I was shocked when I received my bill due XX/XX/23, where I was charged a late fee of {$37.00} it showed my first payment had been received on XX/XX/23. When I called I was told that there was no way to guarantee a payment to be on time unless paid through there system. I made the {$37.00} but filed a dispute on my balance. They say after reviewing their records they located my payment pm XX/XX/23 and that I owe the late fee. They claim I now owe {$50.00}. What i really owe is {$7.00} plus interest. As of XX/XX/23 they say there is nothing they can do. I am refusing to pay the Late fees because I know all payments were on time.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Creditor reporting lates once its already in default.
Company Response:
State: CT
Zip: 06604
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As mentioned, this company makes it really really hard to get your account number to make a payment and also just make a payment. I called for them first payment for over a year now multiple times to get my account number so I could log in. they always had an attitude that they sent it in the mail, but I don't have it. finally, I was told were to get my account number 2 months ago. But without the account number they make it next to impossible to pay. they harass you with restricted calls and non-restricted calls all day, but no one is often on the line when you pick up to even take a payment that just call continuously to harass you. I have 12 calls from them today. Never spoke to a person. They need to make their system more payment friendly and hire really phone reps to call and speak to you and take a payment. They people that take the payment say they can not give you your account number because they do not have access.
Company Response:
State: FL
Zip: 33809
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A