Date Received: 2022-12-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 and XX/XX/2022, applications for credit cards were put in under my name and social security number for comentiy bank/sony visa XXXX and the application was denied.
Company Response:
State: IL
Zip: 60085
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: In XX/XX/2022, while on vacation, someone took out a Comenity account ( Express ) fraudulently using my maiden name. They also opened a XXXX XXXX XXXX account. They ordered {$310.00} worth of items. When I got home, I got a box of random clothing that is not my size or gender. I immediately reached out to the Express fraud department and let them know that it was fraud and that I did not order it, nor did I know who did. The rep requested that I return the items, and I was credited {$15.00} for the shipping on XX/XX/2022 to ensure the account would be {$0.00}. I let her know that I was traveling through XXXX, XXXX, and XXXX and would return the box as soon as possible. She said that I had until Wednesday, XX/XX/XXXX to return the items. It did not seem that the return total added up when I received the email and return shipping label, so I drove to Express at XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2022 at approximately XXXX and returned the box of items to the rep at the store ( I can't find her name ). I included the packing slip from the box I received and the printed return email with a subject of " Your shipping label for Express return ( order # : XXXX ) ''. She said she would work it out with customer support. I received an email confirmation that the items were received from Express on Saturday XX/XX/2022 for order confirmation # XXXX. There was a {$6.00} charge for returning the items, which I believe was inappropriate because of the fraud. On XX/XX/2022, I received a statement from COMENITY with a late fee and a balance of {$360.00}. I and was transferred to Comenity Collections - a lady named XXXX. She claimed that there was no record of my fraud claim or return. She told me I had to pay {$30.00}. I tried to explain it was a fraudulent amount, and I think she said she would take {$7.00}. When I told her to transfer me to the fraud department, she hung up on me. I received a letter dated XX/XX/2022 from Comenity stating that they were looking into the request and it would take up to 90 days. On XX/XX/2022, I submitted a notice of fraud through Identitytheft.gov ( reference # XXXX ). Following their provided checklist, on XX/XX/2022, I sent a letter via certified mail reiterating all of the above. I never received a response from Comenity and I did not get the receipt back that they received it. I also filed a report through Identitytheft.gov ( file # XXXX ). On XX/XX/2022, I recevied a letter from Comenity stating that I submitted a fraud claim on XX/XX/2022, they concluded I was not responsible for the disputed amount, and they submitted a request to the three credit bureaus to remove the account from my report. On approximately XX/XX/2022, I was notified of an increase of my credit score, and my soft reports ( from my XXXX XXXX and XXXX XXXX accounts ) showed my XXXX XXXX increased from XXXX to XXXX. I assumed that this indicated that the issue had been resolved. On XX/XX/2022, I received a letter from Comenity stating that they could not verify my return. I assumed that this was overlapping and the situation was resolved and took no action. On XX/XX/2022, I recieve a check in the mail for {$320.00} from Comenity. It said I had a credit balance on my credit card account, with no other information. I voided the check and mailed it back. Looking at a copy of the check now, I see that there is a different account number which I did not notice initially. On XX/XX/2022 I was notified by two of my credit cards that I had a charge off added to my credit report on XX/XX/2022. It shows a new account was opened with COMENITY BANK/EXPRESS and is listed as a charge off and that my credit score has decreased. I can not see how much my score has decreased yet until they update the dashboard. Another credit card that monitors XXXX XXXX shows that Comenity is a new account as of XX/XX/2022, with an Account Balance of XXXX and Payment Status of Collection/Chargeoff.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a purchase with a credit card they provided. The payment terms stated there would be no interest charges if the account was paid in full by XX/XX/22. When the time came to make the payment, their website was down with technical issues. I was unable to access my account to make the payment timely. I ended up resoting to making the payment via my bank 's bill-pay process but the payment was not received until after the due date. I believe the credit card issuer needs to accept at least some of the responsibility for the late payment due to the issues with their website and not charge the added interest charges as I made a good-faith effort to pay the account off on time. It should also be noted that, to this day, the online access to my account still does not work and I have not been able to access statements of my account for XXXX months. And they will not provide me with a statement in any other manner. Doesn't this violate banking regulations?
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've called the creditor and they told me they would be reporting my account to all 3 buraues and that has not happened. Furthermore, they are still reporting a high balance of {$290.00} which I used this card once and then it immediately reported days later in XXXX. This amount was paid way back the and is still reporting the same balance. This is dragging my score down since the entire account is {$300.00} and the score basis off of how much open credit utilized.
Company Response:
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My Victoria 's Secret Credit Card was cancelled in XXXX of 2022. Ever since I have cancelled my card it has been nothing but surprise fees and finance charges that have resulted in the fact that I am still trying to fully pay of the balance due to being continuously charged finance charges and late fees. The payment this month was due on XX/XX/XXXX, and it was paid on XX/XX/XXXX, resulting in more charges of XXXX. I was able to have my late fees refunded on XX/XX/2022 in the tune of XXXX, and that was done by a customer representative with the credit card company, Comenity. I was told that I only had to pay another XXXX payment and another XXXX payment and that the card would be at a XXXX balance. I requested a letter stating this and was told one could not be provided. The representative with the credit card company said that there is no way to waive a fee and that if I made the payment of XXXX before the billing due date that the card would be at a XXXX balance. I again requested a letter verifying this information and I was told that there would not be a letter provided until the card was actually at a XXXX balance. I am honestly fearing that there will be more finance charges and fees for a card that was closed out in XX/XX/2022. I have also not received a statement of any kind from the credit card company since XXXX of 2022. I also find it very disturbing that my card still has an available credit balance and tells me what my credit limit is when I call into their automated system for the credit card company. If the card was truly closed as it should have been in XX/XX/2022, then why am I still able to see that information? I will never ever get another credit card that deals with Comenity.
Company Response:
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Had XXXX XXXX XXXX XXXX XXXX XXXX for many years and in XXXX changed creditor to Comenity. In XX/XX/XXXX, after about a month after Comenity had account a late charge from XX/XX/XXXX. I have perfect payment history and had no late payments showing until a year later. This was brought to my attention through credit monitoring due to dropping my credit score about 75 points. Immediately I reached out to Comenity to only have associates disconnect calls. After starting a dispute through XXXX I reached back out to Comenity and after transferring my call back stateside I finally submitted a dispute but was advised 45 day turn around. This seems unacceptable that they have tarnished my credit without any reasonable cause and will not correct timely. Please help.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Act Comenity Capital/Chld Account # XXXXXXXXXXXXXXXX, 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. 15USC 1666B : A creditor may not treat a payment on a credit account 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: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After several calls to this lender they will not report my payments or balance to the credit bureaus. Also, one day I see no payment is due the next day I see a payment is due. Its confusing! After reading reviews about this bank, it appears a lot of consumers are experiencing issues.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: SONY card was offered with following offer : Earn a {$100.00} statement credit when you open an account and use the Sony Card within 60 days. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. Terms were met, {$50.00} bonus never credited. I called a phone rep said, yes, you met the terms, I will credit the {$50.00} to your account, This was never done.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you instead of your attorney
Consumer Complaint: They need to stop coming to the house being abusive knocking on the windows walking in the yard peaking through windows writing down license plate number threatening to go to job, talking to neighbors and harassing minor children. We hardly finished overcome a bad hurricane. This is added stress
Company Response:
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A