Date Received: 2022-12-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I wanted to add this to a current compalaint against ComenityXXXX. They can not find my old account and if I call they tell me to EMAIL to start a complaint..then when I email, they tell me to call. Vicious circle. I started an official complaint ( crediting my payments to an old acct instead of my current account ) but there is not a way to update. No one can find my old account YET I receive XXXX different account statements in the mail XXXX XXXX different acct #
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This account from forever21 was oped as fraud in my name and the company has done nothing, I asked for information im told otherwise. this account has been on my report for a very long time and ive gotten so much hassle to remove when I didn't open the account in the first place. which has hurt my credit very badly. which is not fair.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off my credit card a day late and was charged a late fee. I called the Comenity and they said that they would wave the late fee. They made a mistake and did not waive the late fee. I thought the card was paid and closed. Then, I opened a bill and saw that they had charged me {$40.00} in late fees because they failed to waive the late fee that they assured me they waived. I called and spent hours on the phone trying to resolve this. Even though this was their mistake, they said that they could only waive XXXX of the late fees on this account that was paid off. I just wanted to end, so I agreed to pay the late fees except for the one that they agreed to waive. They agreed to waive the XXXX late fee again and she charged me for the rest. Again I thought that the account was paid off, but when I looked on the next bill, it still had that original late fee. I called again and they said it was because she accidentally charged me too much and it left less than a {$10.00} balance so it could not be waived. I again resolved this and had a XXXX balance just to end things. Then, I opened my next bill and it said that I had a XXXX balance, but now they have added " a late fee correction '' and charged me {$10.00} again even though I had a XXXX balance. I called and asked why in the world was I charged a late fee correction '' on a XXXX balance account that was all paid off and closed? They had no answer, but eventually after she talked to a supervisor, they said that they waived the {$10.00} - I have this on an audio recording and I have a reference number. Every day I have checked my balance and it still shows the {$10.00}, however. They assured me several times that this will go off my account and I will not be charged anything further. But, today when the {$10.00} is due, I called and it is still on my balance so I spoke with customer service and she said that it is impossible to ever get rid of this " late fee correction '' because my account is closed. So, even though XXXX people at Comenity on recordings assured me that this fake " late fee correction '' was removed- it is still there and they will be charging me a late fee on this late fee on an account that everything ( including late fees ) was entirely paid off and closed. So far, I have paid {$41.00} in late fees on an account that was paid off. I have been on the phone for hours about this. They say that they can not get a hold of a supervisor and then they just " accidentally '' disconnect me. I am now going to pay this fake " Late fee Correction '' fee amount on a XXXX balance and closed account, but I have found that they just keep on making up fees and charging me. The {$10.00} was due today and now I'm worried that even though I am going to pay it, it is after XXXX - so they will charge me a late fee on this late fee. It is obvious that Comenity is a scam. My most recent reference number for Comenity on this was XXXX. I have an audio recording where they said that they took the late fee correction off and assured me that I will have a XXXX balance.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 fr purpose.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # 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 purpose
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Hi XXXX ; I need your help on getting to the bottom of this issue. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXXXXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me due to the global pandemic that we were facing, specifically XXXXXXXX and I remember I was XXXX with XXXX during those time.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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 Section 2 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 opened consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Over the summer I took off my authorized users on my overstock account. My account is open but the bank closed my card. I have been in contact many times with the credit card company and was told it will be fixed hopefully before the holiday sales start.. last week after months of calling and sending messages on their site to try and fix this issue. I am receiving multiple letters saying that they can not reissue a new credit card die to my account status. Then was told to close my account and reapply for a new card. I had this overstock card for over 2 years starting with a {$250.00} limit and now up to {$1000.00}. Please help me get my card in working order again. I don't want to lose the credit history I built with this card.
Company Response:
State: NY
Zip: 12590
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a NFL visa credit card issued through Comenity Capital Bank. The balance has been paid in full since XX/XX/2022. They have failed to report this payment and continue to report that I am carrying a balance. Their response to my inquiry is they are having system issues that are preventing accurate reporting. This is potentially impacting my credit score. Their lack of progress on fixing an issue that is a required task is negligent and a negative Customer impact. Many other banks can complete without issue. This is a pretty standard process.
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid the balance off several months ago. Nothing has been updated on my credit report for this account since XXXX, it's NOW XXXX. I feel 7 Months is more than enough time to update my credit report, especially when the account was paid in full and it's not being reported as such. This is for BJ 's Credit card through Comenity Bank
Company Response:
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A