Date Received: 2022-12-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I redeemed my EARNED rewards with Comenity Bank on XX/XX/2022 and XX/XX/2022 with the direction to direct deposit to my bank account. I received XXXX separate e-mail confirmations regarding the transaction and NEVER received the deposits from Comenity Bank. I have called - spoken to half a dozen people - service account Managers, customer service representatives, senior account specialists - you name it. I have written e-mails and letters through the mail to resolve this and get my money. They have told me they have filed a DISPUTE. IT'S *NOT* A DISPUTE - IT'S *MY* MONEY!!! They said it could take up to XXXX days to resolve!! All they have to do is look in their records and see that it was not completed and initiate it. THIS IS OUTRAGEOUS. Please see attachments for the email confirmations. this has been going on for MONTHS now. No one will help me and resolve it immediately- they say I have to wait until the " dispute '' is resolved. They can certainly take my money or charge something within seconds on my account, but they can not rectify my EARNED rewards. XXXX. XX/XX/2022 - rewards redeemed : {$660.00} XXXX. XX/XX/2022 - rewards redeemed : {$130.00} Comenity Bank has STOLEN my money, and refuses to look into this in a timely manner and see that they did not fulfill their contractual obligation. If for some reason, the attachments I attached do not download correctly, I have them - I have them in XXXX format and hard copies. I have all proof of transactions I made and that Comenity Bank did not fulfill.
Company Response:
State: MA
Zip: 01545
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: 2022-12-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I notified companies that these inquiries was not authorized by me. The inquiry was applied without my consent.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had a debt that was not mine, tried to pay it just to get rid of it. I reached out here before. The company said they would send to the fraud department and reach out in 90 days. They never once got in contact with me, not by phone or mail.
Company Response:
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This past summer ( 2022 ) I received a message from XXXX XXXX XXXX stating that they were going to cancel my card and another card would be issued in it's place. I didn't want another credit card, so I paid off my balance of the card that was being shut off. However, I did receive a card with a different account number from Comenity Bank. I did not want it so I destroyed it. I eventually received a statement from XXXX billing me for an automatic payment that was on my BOA card that was shut down. I had no intention of using that new card from the start. I strongly feel that I never approved any transactions for that account. Important note : Admittedly, I am an older senior and my memory is not as good as it was - however, I still strongly feel that I never approved any transactions. I have contacted them a while back and I thought that the issue was resolved. However, I just received another bill with a previous balance of {$110.00} listed and a {$25.00} late fee. Every time I try to contact them by phone, they want my CC number which I no longer have ( but I can see it ends in XXXX from my statement ) or they want my SS number which I refuse to give. It's an automated system, so I can't get through to a live representative. I do not want this to negatively affect my XXXX XXXX.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The theft occured in XXXX An XXXX account was opened in my name, spent to the limit then left for me to pay. I called the company and told them this was a theft and not my account. I opened up a page on XXXX, sent XXXX a letter and am still getting bills and it still shows up on my credit.
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I was buying some clothing staffs those Total price was {$600.00} at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX By the end of XXXX XXXX beginning of XX/XX/XXXX and I paid that total amount at once time on XXXX XX/XX/XXXX by online bell payment system as of my others bells payment system by XXXX XXXX XXXX using the name numbers shown on that credit card which means before it generates late fees and an internet. But after a few months XXXX XXXX XXXX and Comenity Capital bank send to me the bill to pay that money with late fees and interest I said I all ready paid the full amount on time by using my debit card through XXXX XXXX XXXX They said no there for i went to XXXX XXXX XXXX and XXXX XXXX XXXX branch and I told to one of the Customers relishing XXXX XXXX she check my account and she approved as they paid for XXXX XXXX store by check and she call XXXX XXXX and XXXX to the grocery store XXXX and Comenity Capital bank they took by phone on XXXX ways system in front of me and agree to Investigate what would happen on the other week phone conversation Discussion they investigate the paid check in XXXX XXXX XXXX then that check back to XXXX XXXX XXXX to readjust to Comenity Capital Bank and that is done on time.But Comenity Capital bank continue send to a bill to pay them late fees and internet but i said I all read paid the full amount once on time so I dont have to pay other fees and internet after different discussions XXXX XXXX XXXX agreed to pay under my name through XXXX XXXX XXXX {$220.00} and we did that too. But Comenity Capital bank still needs I pay late fees and internet after they received so I refused to pay again with no tangible reasons this is in short what happened between me and Comenity Capital bank. I send XXXX pages documents with XXXX pages Covering letters on XXXX XX/XX/XXXX to Consumer Financial Protection Bureau please review that shows all the details.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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: On Monday XXXX XX/XX/2022 I received a letter from Comenity Bank in relation to my earlier complaint XXXX. Apparently this is their response to that complaint. They are informing me that my bank returned a recent payment which was then added to the total account balance along with a return payment fee. This letter I received which is dated XXXX XX/XX/2022 comes after XXXX XXXX informed me my issue had been resolved. I will attach an image of that bank 's correspondence. I am beginning to suspect the company of a deliberate attempt at fraud. Lastly I wish to indicate that they told me they would update the following credit bureaus with their findings : XXXX, XXXX, XXXX, XXXX XXXX XXXX. So I accuse them of some manner of fraud because they are further trying to ruin my credit score.
Company Response:
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made an electronic payment to my credit card account of XXXX dollars on XX/XX/2022 using the same information that I have been using for literally years. The payment was never posted to my account. When I inquired Comenity bank I was told the payment was made to an old/outdated account number. Apparently, my c/c account was taken over a few years prior and I was issued a new account number that I was not aware of. I was making payments to an account number that was originally issued to me and when the bank took over my account and my account number changed their system was still " able to find me '' using my original account number. It was only after their systems updated when I made the payment as usual and the system " did not find me ''. So the payment is " lost ''. They did a system overhaul beginning XX/XX/2022 that is what caused all these problems. On XXXX 2022 I called in and gave the customer service rep all the information they needed to find the electronic payment. I was told it can take up to 60 days to resolve and it was a simple issue of " finding '' the payment. I was told it happens all the time and I will be contacted when this issue gets resolved. I was never contacted by the " dispute department '' or there is no way to contact them directly. On XX/XX/XXXX, I made yet another follow up call to get the status of my claim. I was then told I needed to submit the missing/lost payment information in a document from the bank. I did that and then they started the claim all over again. Like new claim. To make a long story short, it is now 5 months later with no end in sight. I was also told, in writing, that I did not need to make any payments for the amount in dispute or I would not be charged interest. Both of those statements are false. I have been charged interest and received emails demanding payment for the balance in question. I was told in confidence from a customer service rep that their are so many disputes because of their system overhaul in XXXX, that they are overwhelmed and under staffed and can not keep up with all the complaints. It is now over 5 months since I opened the original " dispute ''. I have been countless phone calls and numerous email messages to these people. At least XXXX phone calls and at least XXXX emails. I have yet to be contacted by the dispute department other than a standard cover letter explaining the procedure. There is no claim or reference number to this dispute. I was told they use my phone number/ c/c number for their reference. I am so frustrated with the lack of progress or communication from these people. I feel like a victim of some type of scheme. I would have never expected this king of issue from a large financial institution. Can someone please help me? Thank you, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a statement in the mail for my XXXX XXXX XXXX XXXX credit card payment of {$210.00} due XX/XX/XXXX. I mailed a check with the payment stub to the supplied address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX. Please see attached carbon copy picture. I then received a statement in the mail stating I still owed the balance of {$210.00} along with a late payment fee. I called XX/XX/XXXX and spoke to a representative. They stated they had not received the check and eventually disconnected the call. I did not hear back from them. However, XX/XX/XXXX the check was cashed and cleared my bank account. Please see attached bank statement screen shot. I have now received another statement due XX/XX/XXXX for the misapplied " late payment '' charge and interest of {$36.00} total. My initial payment was not late. I mailed the check well before the in mail deadline and plenty of days ahead of the payment date to be received, processed, and applied. It seems XXXX misplaced my check and then was able to find it and apply the funds XX/XX/XXXX after I called XX/XX/XXXX to complain. I do not owe a late charge or any interest of my promptly mailed check payment. The incorrect {$36.00} balance owed needs to be removed from my account immediately.
Company Response:
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have reached out to the number on file for the account on my report. I have been unsuccessful in reaching someone that is able to assist me in getting this resolved. I have no knowledge of signing up for anything at ULTA. I'm in fear that someone has stolen my identity as I am seeing even more accounts opened in relatively the same time frame that I have no knowledge of.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A