Date Received: 2022-12-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Upon receiving an updated credit report in XXXXXXXX XXXX XXXX I noticed this credit card opened in my name that I never opened. I need this account, along with the inquiry removed from all credit profiles and consumer reports.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Notified of a credit pull on the below companies, I did not authorize this activity, nor did I apply for a credit card from a makeup company. Filed a complaint with XXXX and notified the company below, They have no record of this : If this is the case, this should be removed from my credit report. Security alert placed on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77505
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: 2022-12-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My XXXX Victoria Secret card had a XXXX balance I went to use my card in XX/XX/XXXX i was given a number to call because my card needed replaced as it was cracked. I called comenity bank req a new card XXXX card by victoria secret XX/XX/XXXX was told by a XXXX it can take up to 12 weeks XX/XX/XXXX called again to see the status of my card issue they apologized and said allow just a few more weeks XXXX I spoke to a XXXX and was told they could not find my account. So today XX/XX/XXXX I call again spoke to a total of 9 people and was told was closed due to inactivity without any notification. I told them i have been requesting a card for months and still waiting. I logged into my email and got this notification from a credit reporting company which said ____________________________________________________________ Remark code added to COMENITYBANK/VICTORI account Between XX/XX/XXXX, and XX/XX/XXXX, the following remark was added to this account : Account closed by credit grantor. Remarks are meant to make your report clearer. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. _______________________________________________________________ So i keep getting various closed dates. It was never late and always for 4 years in good standings and this will now reflect a lower credit score for me which is unfair. Above says it was closed between XX/XX/XXXX and XX/XX/XXXX Reps have told me it was closed from XX/XX/XXXX which i know was wrong to XX/XX/XXXX Was told again closed XX/XX/XXXX was advised letter not sent. Because they were doing a big system upgrade and they are sorry, no way to reopen it. Called spoke to XXXX and was transferred to a supervisor XXXX, she transferred me to a higher up supervisor XXXX, and she came back on line and asked if I was XXXX?? more than once I have had the worst experience with this company who just closed my account that I was in good standings with for 4 years without any notification XXXX - yet another supervisor only had static on her line when i spoke to the point the call was a big waste of time. Granted I do not use my cards all the time but when i tried i was told it was cracked and to get a new card that never came and then they closed it. I want my account reopened, its not fair to me as a good consumer that pays bills on time. I should have had an email, letter in mail text, call something to say hey your account may get cancelled, but even when I asked for new cards 3x was i told it was cancelled
Company Response:
State: OH
Zip: 44514
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: To whom it may concern, i am writing because i have been trying to correct an era on my XXXX credit report and have written many disputes asking for validation and/or removal of the alleged debt and have received little to no acknowledgement so i decided to reach out to the company XXXX/COMENITY/XXXX who gave the data to the CRA with the little bit of information i have on them which is just a XXXX XXXX XXXX XXXX and no phone number. I asked them for validation of the debt i.e. original signed contracts or something to verify the unknown debt. My letter was received on XX/XX/2022 and signed for by a XXXX XXXX but i have not received a response of any sorts from XXXX, XXXX/COMENITY/XXXX or XXXX XXXX nor was my credit report notated as being in dispute or the items removed. XXXX and XXXX have removed the inaccurate and unverified items but XXXX has yet to even acknowledge the ERROR. I have been trying to resolve this matter for months but i am being ignored and my rights are being violated. My next step is to take legal action to correct the unjust harm being exacted upon me and my well being. Thank you for your assistance in this matter.
Company Response:
State: NC
Zip: 27107
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act ComenitybankXXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank has made excessive calls ( XXXX calls in 2 days ). Often call back within a couple of minutes. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calls were rejected due to times of calls being on holidays ( observed XX/XX/XXXX - XX/XX/XXXX ). This is harassment for less than {$100.00} debt.
Company Response:
State: CO
Zip: 80233
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2022, I paid off my credit card balance with Comenity Bank, however, they have refused to update my credit reports with the {$0.00} balance. Instead, the reports all still show a balance owed on the account. I have requested that Comenity Bank update the credit report balance, but they have been non-compliant. The canned response is that " Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time ... '', but that they " expect to provide an update to the credit reporting agencies within XXXX billing cycles. '' It's been XXXX months and they still haven't updated their reporting.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX Credit Card ( with Comenity Capital Bank as actual provider ) advertises zero interest for purchases of {$190.00} or more if paid in full within six months. On XX/XX/XXXX, I applied for the credit card after being advised by XXXX of the promotional rate ( specifically because of the promotional rate ) and made a brakes purchase of {$810.00}. Instead of receiving the zero interest promotional rate, Comenity Capital Bank immediately began charging me 25.99 % interest. When I noticed these interest charges some weeks later, I immediately contacted Comenity customer care both by phone and email. The bank admits that a promotional purchase should have been available- in fact, they state that I was eligible for 12 months at zero interest. Yet they maintain these fraudulent interest charges can not be removed because the order was " processed '' wrongly at the store level. The website to apply for the card XXXX XXXX XXXX XXXX ) very clear states an unequivocal policy. In fact, they use that policy as the primary promotion for the card and it is listed in bold at the top : " ZERO INTEREST IF PAID IN FULL WITHIN 6 MONTHS '' " On purchases of {$190.00} or more made with your XXXX Credit Card. '' I have given the company numerous opportunities to resolve this matter directly and they have indicated it is not their policy to do so, even though I have advised them of the false advertising.
Company Response:
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
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 submitted a dispute to XXXX Bank on or about XX/XX/2022, concerning a partial refund of {$1000.00} from XXXX because the refund did not post to my account. As of today, I have contacted Comenity Bank numerous times, but I have not received a clear status update or explanation from them. They indicated that it can take up to 90 days for a dispute to get resolved and it is now well beyond 90 days. This is not the first issue I have had with Commenity Bank related to this credit card, but rather this is the 4th or 5th issue that i have had with them in 2022. Eith respect to the refund, XXXX confirmed to me in writing that the refund was successfully processed and accepted by the Commenity Bank on XX/XX/2022. XXXX provided me the following trace number for the refund transaction : XXXX. XXXX also provided with a receipt, showing the refund amount and confirming it was refunded to my XXXX 's XXXX XXXX XXXX XXXX ending in XXXX. I provided the written confirmation from XXXX, the XXXX receipt and the trace number to Comenity Bank. My card ending in XXXX was closed in XX/XX/2022 due to an unrelated fraud incident. I am extremely frustrated and annoyed that this has not been resolved in well over 90 days and by the lack of communication from Comenity Bank. Please help.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a purchase at Jared using their Comenity Credit card back in XXXX. It was a 6 month promotional purchase. I made XXXX {$100.00} payments XXXX in XXXX and XXXX in XXXX. At the end of XXXX I made a large purchase. My XXXX statement came to me on XX/XX/XXXX with ONLY the 6 month promotion showing on it with ONLY a payment due for that promotion. I then made a {$250.00} payment. The bank decided to allocate only {$30.00} to the 6 month promotion and the other {$220.00} to the large promotion even though nothing was even due in that promotion at the time of my payment. This is what started the downward spiral on my account. I made {$250.00} payments for both XXXX and XXXX. The min payment due on the large purchase was {$120.00} so the {$120.00} should have gone to the 6 month promotion and technically the 6 month promotion should have been paid off then. I called when I got my statement for XXXX showing I still had a significant balance. It was at that time it was discovered that payments were not allocated properly. Apparently the consumer needs to call in every month to assure how their payment gets allocated otherwise Comenity applies the payment in any way they see fit. So ... In XXXX I made a {$270.00} payment that should have paid off that 6 month promotion again. With what ever they were doing on the back end it apparently wasnt enough to pay it off so qe move to XXXX where i made a {$600.00} payment which MORE than paid it off. But then i get my XXXX statement and the 6 month promotion shows I owe still XXXX. I bit my tongue and decided to just pay it. I made a {$150.00} in XXXX. As soon as the payment posted I called in to assure that the payment was allocated properly. I wanted {$4.00} to go to the 6 month promotion so it would be paid off and the rest {$140.00} to the large purchase. I was assured they allocated it properly. I just got my XXXX statement and the statement shows my payment of {$150.00} being credited off as {$4.00} to the 6 month promotion and {$140.00} to the large promotion BUT then they decided to charge me " purchases '' in the amount of {$4.00} on the 6 month promotion and {$140.00} to the large purchase. Making it basically appear that I didnt even make a payment. Then they charged me XXXX cents of interest in the 6 month promotion giving me now a balance of XXXX and they charged interest on the large promotion for a higher balance than what should have been charged on. I called on XX/XX/XXXX to get it fixed and they guy ended up hanging up on me and never called back despite asking for a call back number. I called today, XX/XX/XXXX because I wanted to get this fixed and when I logged into my account, the person I had spoken to on the XXXX ADDED an additonal XXXX back into the 6 month promotion this giving me now a balance of XXXX. The person I spoke to l, XXXX, indicated he was going to fix this and I would see the corrections within 48 hours. What they are doing in my eyes is illegal. They have charged me way more that what I should have been charged. Their practices are NOT ethical in anyway and I am to the point where I want to return my purchases, have my account credited for the amounts and close my account and never doing business with them again. This needs to be corrected somehow. I cant imagine how many people they are doing this too who dont know it is happening. Thank you I look forward to hearing from you regarding this matter XXXX XXXX
Company Response:
State: CO
Zip: 80831
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A