Date Received: 2023-01-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ikea Projekt card through Comenity Bank / Bread Financial. Have been trying to make a payment for two weeks, but each time get a message saying " We're experiencing technical difficulties '' tried to use the online help, but it goes no where.
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This Comenity account was opened at XXXX in XXXX XXXX CA XX/XX/2022 with a balance of {$290.00}. That same day I attempted to pay the entire balance through the online system but was told I couldn't because the online account hadn't been created yet. I wanted to avoid any possiblity of late fees so after many hours on the phone that day, a supervisor suggested I mail a paper check for the entire balance. I did so and that check was cashed by Comenity on XX/XX/2022 ( bank statement attached ). Apparently, internally within Comenity, the money was posted to the wrong account and they started charging me late fees. The money did not reach the correct Comenity account until XXXX of XXXX. They continue to charge me late fees and finance charges despite having the entire balance received within 18 days of the account being opened. I have made approximately 10-15 phone calls and sent approximately 10 emails including the bank proof that they cashed the check on XX/XX/2022. I have asked many times to speak with a supervisor but repeatedly get disconnected in the transfer or left on hold for hours. The online messaging system has been equally unproductive. I am also enclosing the email conversations I have had with Comenity. I have closed this account but it still has a balance due from inappropriate late fees.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: So I discovered about this Comenity BankXXXX Credit Card which was charged due to missing payments on my XXXX XXXX. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have XXXX active credit cards which are on my report and in good standing. This charge needs to be taken off from my XXXX XXXX as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on XXXX to which I can call to. I have already filed dispute with XXXX which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my XXXX XXXX.
Company Response:
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Credit inquiry from commenity big lots. I did not apply for credit. I called them they transferred me would not help.
Company Response:
State: OK
Zip: 73127
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Went to make my payment with many of my community store charge accounts ( recently XXXX and XXXX XXXX store credit cards ). My due date was XX/XX/2023, went to pay at XXXXXXXX XXXX, and their was a message statement saying " Please submit your payment by XXXX E.T. '' I selected my payment options, the payment schedule showing my due date, and would not let proceed, until I had to pick the date of the XXXX of XX/XX/2023. Which made my payment late! No another late fee. How can they ALL get away with these early cut off times, how is fair to the comsumers trying to keep their budgets and credit scores in good shape. I personally can not auto pay I have a tight current budget. If the DUE DATE is the XXXX then you should be considered on time! Because you paided on the correct date. The greed ... Now late fees are piling up, Same with XXXX XXXX Department stores, Just happened to my mother 4-5 months ago, And that was a nightmare completely. With them they add a late fee, if they credit it back to you it will not show up until next billing cycle, and they demand the late fee no matter what ; or your account is considered behind, what a bunch of crooks! Even though your payment were done on it's due date, but on early evening the consider it the next day! The greed, where are the Comsumers WATCHDOGS, someone needs to reel the greedy creditors in. Most comsumers are on a tight budget and the unnecessary late fees can destroy your budget V/r XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: this company is causing me stress and hardship of the illegal practices they are reporting on my consumer report on XX/XX/2022 XX/XX/2022 and XXXX XXXX so i am DEMANDING you to remove these illegal late payments under 15 U.S CODE 1666b ( correction of billing error ) you are illegally reporting transaction on my consumer report without my consent per law 15 US Code 1681b ( you need my permission to report on my consumer report ) which i didnt give you guys.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This bank, Comenity Capital Bank, has been harrassing me since the last year when I closed the account with them. I made the last payment of {$100.00} and request to close the account on XX/XX/2022. Since then they are still and continually harrassing me with late charges, even though, I request the closure of the account. Im tired of this situation. Previously to this, I filed bankcruptcy and this bank was included in the bankcruptcy. They all the time are over me harrassing me. Please intervene so they stop this practice.
Company Response:
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX Called company because a late fee was applied to my account. A minimum payment of {$40.00} was due XX/XX/XXXX. I paid {$100.00} online through XXXX XXXX on XX/XX/XXXX and the payment cleared my account on XX/XX/XXXX. When I called the credit card company the customer service rep said the check was mailed by XXXX XXXX and Commenity did not post it until XX/XX/XXXX. She blamed the mail and I said I didn't believe it could take over XXXX XXXX weeks for the payment to get from XXXX to XXXXXXXX XXXX. Therefore I was charged a {$28.00} late fee plus interest. It sounds like a scam to me. How am I supposed to feel comfortable making my payments not knowing if I am going to be charged another late fee. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never come across something like this and feel they are operating in a unethical manner.
Company Response:
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I established two interest free XXXX XXXX XXXX Comenity Bank plans to pay for dental fees over time. I made regular payments. However, I did not receive paper statements and was not signed up for paperless statements. When I called to make a payment XX/XX/XXXX, I was advised that the interest free promotions had expired, and I was being charged interest. I had not received paper statements to advise of upcoming expiration dates. If I had, the balances would have been paid prior to the promotion expiration date. The principal balance due on both were paid in full on XX/XX/XXXX. On XX/XX/XXXX, the first interest free promotion ( original amount financed was {$740.00} ) expired and currently reflects interest due of {$11.00}. On XX/XX/XXXX, the second interest free promotion ( original amount financed was {$1100.00} ) and currently reflects interest due of {$440.00}. On XX/XX/XXXX when the principal balances were paid in full, we requested paper copy of statements, the first was provided on XX/XX/XXXX. I asked for relief from the very high interest charges through the Customer Service Department. They denied this request, I also contacted the Debt Settlement Department of XXXX XXXX XXXX Comenity Bank to request relief from the high interest charges. They did not return my call. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX Bank Customer Service Department to follow up on my request for relief from the high interest charges. I was told they could not adjust the interest charges. I filed a consumer complaint with the XXXX Department XXXX XXXX XXXX XXXX XXXX Bank. They advised the interest and late fees will continued to be charged to my account based on the outstanding interest balance. I offered to pay {$100.00} interest as a fair settlement to these charges, this offer was rejected by the XXXX XXXX XXXX XXXX Bank Customer Service Department supervisor. I ask for your help for relief from these extremely high interest fees charged, based on the lack of correspondence on the status of my account and the promotion expiration dates.
Company Response:
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We are writing to obtain assistance in receiving a refund of money paid to Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) to settle an account. Most of the particulars are in the attached letter to Comenity ( XXXX ), and we would ordinarily give them time to respond. However, they have been less than responsive in spite of numerous telephone inquiries, and we have no reason to believe they will change their stance. In addition, we are concerned this may represent part of a pattern of delay designed to reap extra late fees for the company by not promptly crediting payments and/or crediting them to the wrong account. Both are documented in the attached correspondence ; we dont know if this is a singular occurrence, or if it involves many other customers. Since opening the account, we have noticed several attempts to charge interest and fees in spite of paying her account timely. This has been due to late crediting of payments and failure to honor terms of the rewards program in which she is enrolled. Indeed, during the last month, the company imposed {$10.00} in interest charges in spite of a XXXX balance at the close of the previous statement ( see XXXX and XXXX ) We are submitting evidence that our bank has paid the items in question ( red arrows on document XXXXg ). That document is from the banks website ; we do not as yet have an account statement. We will give permission to confirm payments with the bank. Our biggest concern is with the series of events documented in our letter to Comenity. We think they may have purposely delayed crediting our check payments to collect additional late fees and interest. Thinking the checks lost, we initiated payments at the last minute on the banks website to avert such fees. However, when the bank found the checks, nearly a month after the first one was mailed, we were left with a substantial overpayment, which wed like refunded. In addition, the bank claimed not to have received XXXX of the payments, until, after hours of fruitless discussion, a XXXX discovered it had apparently been credited to the wrong account. We are asking for you to investigate to assist us in getting our money back. We also ask for you to see if you have a pattern of complaints involving other customers of this bank.
Company Response:
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A