Date Received: 2023-01-01
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: I paid a large balance off in full in XXXX, this was the last time the credit card company updated my balance to my credit report. Today, 5 months later, the previous balance is still listed. When I filed a dispute via XXXX, the line item was removed due to lack of response from the card issuer thus removing a large available credit facility. Comenity bank is the issuer for my XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Im getting calls back to back. Theyre calling hanging up and immediately calling back not even giving me a chance to answer. This is extremely frustrating.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an account with XXXX rewards though Comenity Capital Bank. They have recently stopped reporting on time payments and credit balances since XXXX of 2022. I have since then, reduced my credit balance immensely but because they have not updated the balance, My credit is being greatly affected by this and My score continues to drop because of the fact that my percentage of credit used remains high. My percentage should be 2/3rds less than than what it currently states. This has affected my ability to apply for life changing loans when I have desperately needed it this year and this company needs held accountable because this is no fault of my own.
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
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: I have not received a statement ( either via email or mail ) from Comenity Capital Bank XXXX XXXX XXXX since they became my credit card servicing company sometime around XXXX or XXXX ( formerly XXXX ). I have attached a screenshot of their portal which was taken on XXXX XXXX. showing no statements are available. Despite this - the company has continued to post finance and late fees, which is illegal. The only information I've received from the company is " they've forwarded it to the right department '' and as of today there are still no statements available and fees are still showing on the account. The reason I want to see the statements in detail is because their online portal shows I owe a balance but my bank is showing that the check to cover the previous month statement was cashed and there is no activity ( as we stopped using this card due to the numerous problems we've had ). So I have no idea if there is system is just broken, there is some charge they are claiming was made or if this is just outright fraud. Based on some quick research it seems a lot of people have had a similar issue with this bank ( especially those of us coming from the XXXX XXXX XXXX XXXX ). So I am sure there are many others who are being taken advantage of.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a balance of {$300.00} and didnt realize the promotional balance had ended and I was charged {$440.00} in interest. I try speaking to the company and they said there is nothing that I can do nor they can do for me. Im not doing financially well at the moment and I think it is completely unfair that I have to pay them more than I can and on top of that the dental work that was done didnt even last a year. I paid {$1600.00} for the crown and a year later it fell out, I cant even get it fixed bc the dental company said no until I have dental insurance which I believe is completely unfair
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have Comenity Bank set up in my Bill Pay account and make a recurring {$750.00} payment monthly. Comenity has lost 4 of the last 6 payments ( XXXX, XXXX, XXXX, and XXXX ) I have made and failed to apply the funds to my account. I have followed their dispute process and even had a 3 way conference call with my bank. Comenity stated they had done a system conversion and were having issues with a large number of payments but would resolve the issue within 90 days. At 90 days they asked us to refile the dispute with more information, but they already had everything they needed from the bank from the first call. They did ask us to use a different address and updated account number and we made the changes requested. They then posted 2 payments before losing the XXXX and XXXX payments. They charged us late fees on both and we have had to file 2 additional disputes.
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$490.00} written off. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$640.00} Terms NA This account was fraudulent, and this is identity theft and double posting to the account. this need to be thoroughly investigated '. Please
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To whom this may concern, My name is XXXX XXXX and I am responding to XXXX/Comenitys request : to put in writing the incident on XX/XX/XXXX of the unauthorized {$75.00} deduction from my personal financial institution in order to start an investigation. I am also requesting to resolve the account ending in XXXX with a XXXX balance. This request is being made due to the fact that I can't trust XXXX/comenity with my financial information as I have in the past, they have illegally billed me for negative options with no explanation. And reporting the closing of my account during a Covid pandemic ( I ask for emergency Covid assistance, and they close my account? ). My account ending in XXXX was previously set up for automatic payments to be deducted on the XXXX of every month in the amount of {$74.00}. On XX/XX/XXXX XXXX/Comenity requested an additional {$75.00} from my account on top of the original payment of {$74.00}. XX/XX/XXXX disputed the {$75.00} and XXXX/Comenity received the agreed upon {$74.00}. Because I didn't agree to pay an additional {$75.00}, they decided to stop my auto pay XX/XX/XXXX. If XXXX/Comenity hadnt stopped my auto payments due to their unauthorized deduction I would not be behind on my payments, I never have been in the past outside of my Covid request. XX/XX/XXXX XXXX/Comenity Requested an unauthorized {$75.00} payment. XX/XX/XXXX XXXX/Comenity Received additional {$75.00} from my financial institution. They also received {$74.00} ( original agreement ) from the same financial institution. I only disputed the unauthorized {$75.00}, XXXX/Comenity received the agreed {$74.00}. XX/XX/XXXX Received letter stopping automatic payments dated XX/XX/XXXX. XX/XX/XXXX Contacted XXXX/Comenity in regard to the letter. I didnt understand why they would stop payments when I made the payment agreed upon XX/XX/XXXX? I also asked why an additional {$75.00} was taken out of my account unauthorized? I got no explanation, only to be escalated to a manager. I still didnt get an explanation or resolution from speaking to the manager. I then asked the manager to resolve the account to XXXX balance and send a letter in regard to this illegal activity, and to note the account. I was then put on hold so the manager could go over the information with her boss. I was on hold for about 10-15 min. and the only conclusion they came up with was SORRY and noted the account. There wasn't any further investigation or escalation as if they didnt care about my personal information. XX/XX/XXXX Received threatening letter to collect payment. Continued to look for help/answers on why this happened and what to do? XX/XX/XXXX Tried to resolve and get answers once again by contacting XXXX/Comenity. Spoke with XXXX ( she was very helpful, nice, compassionate, and straight to the point ). She finally escalated this incident to be investigated, Im thankful for her taking the time to listen. Meanwhile Im stuck in the wind/lingo/process not knowing how to proceed. Incurring late fees, interest, and bad credit reporting due to this illegal process. I have been educated to contact the FTC ; I will be forwarding this information to them also. POOR COVID ASSISTANCE XX/XX/XXXX Contacted XXXX/comenity to ask for Emergency Covid assistance and they closed my account, not allowing me to show good faith ( I continued to make every payment agreed to, until this recent incident ). This action caused devastation to my credit score, making my financial hardship more difficult. The closing of this account in XXXX is still affecting my credit to this day. This also prevented me from doing business with any other lending company. ( I asked for help, and they set me up for failure ). Many of these companies received recovery funds from the government, has anyone investigated the disbursements of these funds? Someone needs to look into this because these companies did nothing but took advantage of Americans that were already in a vulnerable state. And now they are allowed to charge us a higher interest rate because they've closed your account damaging your credibility? This is unfair!
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
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: On XX/XX/XXXX an account was opened by XXXX XXXX for work estimates on capping a tooth. On XX/XX/XXXX XXXX XXXX charged Comenity CapitalXXXX XXXX XXXX XXXX account fraudulently prior to any work being done or checking what was covered with my insurance. I never received information from Comenity Capital and do not know account number. I sent a letter XX/XX/XXXX explaining the account was fraudulently charged. I also included that if there was further contact they could use my home address or email. They continued to call 6/7 days a week. The response was if I disagree with insurance coverage I need to contact my provider to discuss errors. On XXXX XXXX, XXXX I received a call from XXXX at Comenity Bank, ext XXXX, transcript-Good afternoon this message is for XXXX XXXX my name is XXXX I'm calling on XXXX I'm calling from XXXX XXXX XXXX to get the name and number of the attorney representing you for XXXX XXXX XXXX please return my call today at XXXX extension XXXX please have your attorneys information available at the time of your call if you do not have an attorney and I have many options available for your assistance that you would need to return my call today before I leave my office at XXXX central once again XXXX the number is XXXX extension XXXX thank you and I hope to hear back from you soon have a great day. I was at work and did not receive the voicemail until after XXXX XXXX. On XX/XX/XXXX I paid the {$560.00} that was charged to the account without my permission. I dont feel I should be required to contact an attorney or pay any additional money that the company has continued to add. I would like to threatening voice mails to cease also.
Company Response:
State: OH
Zip: 44306
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/XXXX I had some XXXX XXXX done at XXXX XXXX. They gave me financing for {$2200.00} for 5 years. My payments started in XXXX of XXXX with Delta XXXX. The financial specialist at XXXX XXXX estimated my payments at {$55.00} per month. I started paying $ XXXX per month the entire time for a total of {$3200.00}. The Amortization Schedule shows a total of payments of {$3200.00}. for a 5 year loan of {$2200.00} with total interest payments of {$970.00}. Delta XXXX had been charging 28.99 % {$900.00} and 14.99 % on {$1300.00}. I sent the information with my documentation to their XXXX XXXX XXXX XXXX, Ohio on XXXX and they sent back the information on the website NOT the total amount paid on the account to date. I have communicated with their customer service line and they informed me they don't have any information on the account beyond 1 year. They suggested writing the XXXX XXXX XXXX XXXX they couldn't give me the info. I have XXXX sales contracts XXXX signed on XX/XX/XXXX for {$1300.00} and the other on XX/XX/XXXX both for 14.99 % interest.
Company Response:
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A