Date Received: 2022-12-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened an immediate credit card at a XXXX ( XXXX XXXX XXXX Credit Card ) in XX/XX/XXXX ( approx XX/XX/XXXX ) to take advantage of a special offer. The total amount of the purchase was approx {$270.00}. I did not receive a statement, so at some point in XXXX I called them and they informed me that my account was past due. I had still never received a statement nor a physical credit card. I processed an ACH payment over the phone with a customer service agent approx XX/XX/XXXX for the entire balance. There was more than sufficient funds in my checking account to cover the transaction. I finally received a paper statement dated XX/XX/XXXX which showed that the payment on XX/XX/XXXX was " Returned Check '' with a corresponding returned check fee, additional finance charges, and late fees. I contacted my bank and they verified that there had been NO attempt to debit my account by this merchant. Clearly someone processed the information incorrectly at the COMENITY credit card company. I then called COMENITY on XX/XX/XXXX to have the fees removed and pay my full balance. I have paid the balance and have been stuck with finance fees, plus several hours on the phone dealing with THEIR MISTAKES IN THE FIRST PLACE. I feel their practices are predatory, and keep customers in the loop of more and more fees and charges with these accounts. When I asked to be connected to a supervisor, I was told to " call back ''. When I insisted to be connected directly, I was forwarded to a new number that gave me a menu that did not include an option to speak to a supervisor, and put me back in an endless phone loop.So, I had to leave the call. I was trying to work the issue with an actual supervisor at the company, but was left with no recourse other than filing this complaint, and additionally potentially complaining to the XXXX and our State Attorney General.
Company Response:
State: NM
Zip: 87114
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed the account in XXXX, XXXX. I still as of this month, receive monthly statements, I can log into the account, there is a zero balance and a {$7200.00} credit limit with an available balance of {$7200.00}. I get the same information when I call. I spoke to someone who told me she can see it was closed on her side, so " I don't have to worry about it. '' I do. The account is not closed.
Company Response:
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX statement indicated balance of {$250.00} and full balance of {$250.00} was paid XX/XX/2022. New statement was issued with closing date of XX/XX/2022, showing a balance of {$4.00} for interest. I knew I paid card off. When the {$4.00} was not paid, they charged a late fee and more interest. See statement attached.
Company Response:
State: FL
Zip: 32566
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account was closed, and per as last claim, was stated no future collections or fees would be added. I am being charged everyday for this.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: XXXX - Comenity Bank Card I made a purchase and have made payments on time and had card paid off. At the end of XX/XX/2022, their system went down for a couple of weeks with many online portal issues, pay by phone and so on. Very well documented as it was a big issue for many consumers. I had made multiple payments towards a final pay off in addition to a in store, auto pay and also paid by phone in order to make sure the payment was in full. During the week of XXXX XXXX the system showed card paid in full and also an over payment by {$500.00} due to an auto-payment that still processed. The system was down and could not be relied on as it was not showing correct transactions as made. I've been calling to check on a {$500.00} payment as my bank shows payment made. Comenity Bank states the payment was returned but can not provide proof. My bank, XXXX XXXX shows that payment was made but never returned. I've asked for proof of return but Comenity Bank can not prove this. The payment was never returned into my checking account.
Company Response:
State: OH
Zip: 44646
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: 2022-12-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off the balance on my card on XX/XX/2022. Since then I have been charged a {$1.00} " minimum interest '' fee which I did not know about and assumed my balance was XXXX. Because of this I then received several late fees of {$16.00}. Which adds up to quite a sum. I have now cancelled my card but still would like to report this predatory behavior.
Company Response:
State: ME
Zip: 045XX
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Received a letter from Comenity Bank stating the following : Please call us to finish processing your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, we want to thank you for your recent application to open an account. We need to hear from you within 14 days to complete the application process. We're pleased you'd like to join the XXXX XXXX 's XXXX XXXX credit card account family.... Again, we appreciate your interest in opening an account with us, and please accept our apologies for any inconvenience for this process. We look forward to talking with you. We have NEVER applied for a credit card with this company or with this bank. I pulled my annual credit reports, and it does show soft inquiries on my social security number but NO hard inquiries. This is very deceptive and misleading.
Company Response:
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is regarding the same credit card that I filed a complaint on XXXX with Comenity Bank credit card. On Friday XXXX I went to use the credit card for the first time at XXXXXXXX XXXX XXXX gas station. After inserting the card for payment, the screen on the pump read card reader is inactive and pump is out of order. I requested a station attendant thinking the pump reader was the issue. The attendant looked at the screen and then asked me " do you have a XXXX XXXX XXXX '' as I replied yes, she informed me that the card will not work at their pumps and " no one has that are using the same issued card by that bank ''. I by using Comenity cc shut down their pump and XXXX it and not the first customer but several customers to do just that according to the attendant. She reset the pump which took about 15min to complete.
Company Response:
State: NY
Zip: 14072
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I received a phone call from WorldWide XXXX and they let me know that I had been selected for a vacation presentation and for attending they would give me several prizes and a card with XXXX dollars without any obligation. On XX/XX/2022 I went to the presentation and bought a vacation plan with the option of being able to cancel it in 72 hours and call the company within 24 hours because I did not agree with what they sold me. Now they are charging me a debt of XXXX dollars.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/15, I called the company to close a credit card account with them. They received my closing information and closed the account. I then just sent them a message today and they still have not reported it to the credit bureau nearly 4 months later. Recently with a separate credit card with this company they did the same thing and didn't report my updated balance for months. I filed a complaint with CFPB and they finally updated it. Each time they are saying that they " updated their systems '' and they have not reported any and will not till their internal processes are complete. It's not my problem that the company is updating their systems. I want my account that I closed with them to be reported correctly to the credit bureaus ' that's all I'm asking.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A