Date Received: 2022-12-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I PAY MY CREDIT CARD IN FULL EVERY MONTH. I MADE A PAYMENT OF {$460.00} ON XXXX. THE BALENCE WAS {$450.00}. THE CONF # IS XXXX. THEY ONLY DRAFTED {$160.00}. NOW, THEY ARE CHARGING ME {$20.00} IN INTEREST. THEY WILL NOT REFUND THE {$20.00}. I PAID THE FULL BALENCE. IT IS NOT MY FAULT THEY ONLY DRATED {$160.00}. IN THE PAST, I MISSED THE BALENCE BY XXXX OR XXXX CENTS AND THEY CHARGED ME AROUND {$68.00} IN INTEREST.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a new credit card account in order to buy my son new school clothes in XX/XX/XXXX. I spent XXXX XXXX The first payment was due XX/XX/XXXX. I sent the payment late on the XXXX. It was for XXXX XXXX I understand there is a late fee with interest. However, the check was not deposited to their account until XXXX! almost a full month after sending the check! Ive also since then made the interest payment of XXXX $ now my bank account has been XXXX up ever since their XXXX and they keep on charging me! When I called and had the girl guarantee me It was all they needed to not charge me again! This isn't right! this is robbery.
Company Response:
State: KY
Zip: 42718
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/XXXX they called : ( these are all XXXX time times ) XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XXXX PM XXXX PM XX/XX/XXXX ( today ) XXXX AM XXXX AM XXXX AM XXXX AM XXXX : XXXX AM
Company Response:
State: WA
Zip: 98226
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Company Response:
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I bought tickets to FL from XXXX XXXX on XXXX on XX/XX/XXXX found out that the relatives place I was going to stay at was destroyed by the hurricane. I tried contacting XXXX on their chat service. There was a 45 minute wait, but after 30 minutes they disconnected me from their chat! I tried again, 2nd time it was over an hour wait, and again it disconnected me from their chat after 30 minutes. I filed a chargeback with my credit card on XX/XX/XXXX for the {$330.00} since I was not able to contact XXXX XXXX to request a refund. I feel I made more than a reasonable attempt but their own systems kept disconnecting me, making it impossible to contact them. Guessing the hurricane swamped their staff and they didnt hire any more staff to assist. Then on XX/XX/XXXX my credit card was canceled with no notice to me. I had received a letter saying a new bank, Comenity, would be taking it over, but I never received any other info nor did I receive any new cards. This caused some major issues for me since I had to go out of town the next day. On XX/XX/XXXX I mailed XXXXComenity a payment for XXXX along with a letter explaining the chargeback, since I was concerned that the chargeback info might not have been transferred from XXXX to Comenity. I stapled my check to the letter to make absolutely sure someone would have to see the letter. This check was cashed on XX/XX/XXXX. I had another small payment to make to Comenity the next month for {$83.00} which paid all my remaining charges in full except for the charged back XXXX tickets. On XX/XX/XXXX I received another statement from Comenity. They have taken NO action on my chargeback for two months, despite being notified of the chargeback. In addition they have charged me a {$25.00} late fee on the amount Ive had in dispute for them for two months. I thought they werent supposed to be able to do that for charges that are currently under dispute? When Comenity took over the XXXX credit card service from XXXX XXXX XXXX, it was a complete mess. I called their customer service line on XX/XX/XXXX and it was obvious they had people answering the phones that had no training at all and were fielding calls from all the people whose cards had been canceled with no notice. Every question I asked the rep, he had to ask his supervisor. I have not attempted to call them again because they didnt have anyone who could really help customers the last time I called and I didnt see that situation getting any better.
Company Response:
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter threarning legal action for a credit card debt from XXXX XXXX. I never signed an agreement nor do I owe them as they keep sending harassing letters.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit Reporting act this company Comenity Capital Bank account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 account under an open end consumer credit plan as late for any purpose. 15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To my notes, end of XX/XX/XXXX, I applied for a credit card. A special limited time offer for XXXX members. The card was approved and issued from XXXX XXXX XXXXXXXX with a credit line of XXXX XXXXXXXX XXXX promised a XXXX XXXXXXXX statement credit after using the card, making purchases of XXXX XXXXXXXX or more within the first 90 days. They promised automatically receiving the credit on my statement after qualifying. Even I met the criteria, I didnt get the XXXX XXXXXXXX and I was waiting until end of the year, I called XXXX beginning XXXX, they promised to take care of this. I called again and again and XXXX promised to fix this problem. On XXXX XXXX I get a letter from the Comenity Bank XXXX telling me, that Comenity Bank will take over all the Credit Cards from XXXX XXXX informing me about coming changes to my XXXX XXXX XXXX XXXX credit card. Meanwhile Comenity Bank send me a new card, which was activated on or around XX/XX/XXXX. I checked the available statement at Comenity Bank but could not see the promised XXXXXXXX XXXX XXXX. When I called XXXX to find out about the status of my Reward, I found out that there was not any account information on the internet, my account was not existent anymore. When I called XXXX they said that Comenity Bank have all information, ast they took over the accounts and told me th at Comenity Bank is responsible. When I contacted the Comenity Bank several times, they said I have to be patient, as they have a lot of trouble with taking over the credit card accounts. So I was patient again. They promised to put the Award at the next following first day of month to my account, but nothing happens again! I contacted XXXX in this matter, which promised to convey with Comenity Bank, but they didnt get also no answer. When I see the reputation and meaning from other people, Im wondering that such a Bank get the license to administer the money from the folk.
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I made an electronic payment of {$3500.00} to my credit card company from my bank. The bank statement shows the transaction but it was never credited to my credit card account. I understand that the payment was sent to my old account number that I had used in the past but due to a computer up grade at the credit card company it no longer matched the old and new numbers. I have tried to resolve the issue with the credit card company giving them 90 days as they required but no resolution. I have sent the documents they requested and my bank has tried to assist.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A