Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had paid this account off, and called the company to ask why they had not updated my credit report since XXXX. I found today on my credit report they had updated my information but state that it was closed by the consumer. This is incorrect information. I just wanted to ensure that the balance was at XXXX so I could use the card if I so wished moving forward. When I call the automated service is states I have an amount available when I look online it shows an amount available but I never asked for the account to be closed. I have several other cards with this bank with no problems so confused as to why this has led to derogatory information, meaning my credit score dropped because it doesn't show the amount available any longer. I paid the {$56.00} as they had added this as interest for some unknown reason. They reported closed on XX/XX/26 after not reporting for 5 months.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX of XXXX, I received a statement for my bill cycle stating that my remaining balance was {$380.00} and my next minimum payment of {$29.00} was not due until XX/XX/XXXX. So, on XX/XX/XXXX I made a payment of {$380.00} to pay off my account. This payment was made successfully and accepted by Comenity before the end of the billing cycle. However, Comenity still charged me interest on the account stating they charge residual interest and that due to me paying my XXXX balance with a minimum payment the leftover balance from that billing cycle accrued the residual interest which was not tacked onto my statement until XXXX. The issue with this is that this information was not made transparent to me in my billing statement. So, after paying the balance in full in XXXX I anticipated that there would not be any future payments to be made on this account since my payment of {$380.00} had gone through and my balance was {$0.00}. With this understanding in mind, I did not notice the {$5.00} charge for residual interest, and this caused a late payment to occur on my account when I have never missed a payment on any of my accounts. If interest occurs in XXXX, it should be stated on the following billing statement, XXXX. Not two billing cycles later in XXXX. I would have paid the balance easily had this information been made apparent to me in a timely manner however Comenity took interest accrued from XXXX and did not post this amount to my statement until XXXX. After, I made the full balance remaining payment in XXXX. I have since tried to reach out to Comenity however their customer service representatives intentionally place me on hold for over 30 minutes at a time and then drop my call because they do not want me to speak with a manager. They are harsh and unprofessional often laughing callously at me for asking questions about my account details. They are argumentative and refuse to disclose to me their employee ID numbers so that I can not make official complaints against them. This blatant disregard for the laws of transparency within financial institutions shows mishandling of their fiduciary responsibility to consumers like me who pay bills on time or early consistently in order to maintain good standing with the credit bureaus. I feel sabotaged by this company and a massive breach of ethics has been made. As such I please ask that an investigation be conducted in order to ensure that the handling of my and other individual 's accounts is not being subjected to fraud.
Company Response:
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaint is regarding the Comenity Bank XXXX XXXX credit card ending in XXXX. I have made MANY attempts to resolve this issue - several times by telephone, by message, by letter to bank president, by complaint to XXXXXXXX XXXX XXXX. With that in mind, I'll be as brief as possible. 1 ). My first payment was late by two days because XXXX store # XXXX had difficulty processing initial transactions to the account, and I waited for the final corrections to come through. When I saw a XXXX late fee was assessed, I contacted XXXX to request a courtesy credit given the circumstances. A month later, I got another statement that not only did not reflect the original credit I called for in the first place, but added a second XXXX. I called customer service again and was told they couldn't make any changes to a closed account. 2 ). I complained formally to the XXXX XXXX XXXX, only to learn that Comenity Bank is not registered with the XXXX XXXX XXXX 3 ). I received an apology letter from bank president about a completely unrelated issue that XXXX mishandled. 4 ). I wrote a letter to the bank president, which went unanswered. 5 ). I called customer service AGAIN. I spoke with XXXX, in XXXX, on XX/XX/22. She told me the account was never closed, and and agreed to credit the entire balance, to include late fees and any other fees. I asked for her last name, employee ID or some other identifying information in case I had a problem, which she said she could not provide. 6 ). The action promised by customer service in # 5 above was never taken. THE NEXT customer service representative said they had no record of it. Late fees continue to mount and I am being harassed by their collection agency.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Saw on a recent pull of my credit report that there was XXXX late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company COMENITYCAPITAL and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since 2021. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. I filed a dispute with all 3 reporting agencies. XXXX 's investigation was finished in less than a week, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. ID Theft Report from the FTC is attached.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Since XXXX of XXXX the amount of {$4200.00} to present has appeared on our credit report from Comenity Capital Bank. The last reporting date was XX/XX/2022. I've reached out to the bank twice only to be on hold for over an hour both times resulting no response. The amount is still on our credit report. I spoke with XXXX and filed a dispute in XXXX and have not heard back from them.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX Comenity Bank/Express XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: After I paid my balance in full on XX/XX/2022, Victoria Secret has charged me what they call trailing interest on balances that I had previously not paid in full going back to months. The due date for that balance was XX/XX/2022. I still received fees on XX/XX/2022, XX/XX/XXXX and XXXX, XXXX, XXXX XXXX & XXXX, XXXX. Because I was unaware of the fees, I was charged late payment fees as well. Although this explanation above was provided by the representative, it was unclear what amounts and dates each fee corresponding with. This seems to be an unethical way to gouge money from unknowing customers.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They are calling repeatedly using many different phone numbers while I am trying to work. It's more than XXXX times a XXXX some days.
Company Response:
State: NC
Zip: 28792
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I got an account to purchase same as cash. I have tried making payments but I cant online as the account number is not on the statement but I never received a card after ordering on line. When I ask for them the fourth time and ask for a supervisor they hung up on me. As the interest rate XXXX % this is definitely a XXXX XXXX
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called Comenity/XXXX.com customer service and requested that my account be closed as I am disappointed to learn that Comenity practices predatory lending practices. I had a balance of {$230.00} on my XXXX statement and was charged {$120.00} in " residual interest. '' I have never heard of anything so ridiculous. I made a XXXX payment to bring my account to a {$0.00} balance and was charged {$5.00} in " residual interest '' on my XXXX statement. It's not a huge amount of money but it doesn't make any sense. The math does not add up. XXXX and XXXX should be ashamed. I bet there are thousands of people being taken advantage of in this manner and have no way of fighting back. Please help the consumers.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A