Date Received: 2022-12-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have explained my financial situation and they continue to harass me constantly at all hours of the day. I have been paying them weekly trying to get my account back in good standing with them and hopefully stop the phone calls but the late fees, overdraft fees, and interest are making it impossible. I am almost to the point of just giving up, if they are going to harass me no matter what I do, I have better things I can put this money towards.
Company Response:
State: MO
Zip: 64050
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I opened an account with Comenity Capital BankXXXX in XX/XX/2022 and then later set up my online account and enrolled in paperless statements on XX/XX/2022. To date I have yet to receive my statements via email like I requested, and they haven't posted my statements on my online account. Now I'm in the process of buying a home and have no access to my most recent statement. I called the company to get an online statement or resolve my account issue and their only solution was to mail a paper copy of my statement to the address on file. I feel as though I have a right to receive my statements the way I signed up to receive them, and am now in jeopardy of losing the home due to their delay in posting my statements to my account. I should also mention that the account has now been open since XX/XX/XXXX and has yet to report to my credit.
Company Response:
State: TX
Zip: 79605
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had this card for several years and pay my balance in full every month.In the last three months they started charging interest claiming that you must pay the entire balance in full, whatever they have on the statement, regardless of whether you made a return to the store before the end of the statement period. The topper is that you must the pay interest the next three months until you get back in their good graces!! This is regardless of whether you paid in full and on time. Then you have a credit balance which they will return to you within the next couple of months! My credit score is in the 800s and I have never heard of anything so ridiculous before. I have spoken to two layers of management and their comment is Comenity gets paid first regardless of whether you owe them that money or not. XXXX, XXXX etc. do not do this. You can pay exactly what you owe. I had a credit before the end of the billing cycle and I checked my balance on line and paid in excess of the amount due and that wasnt good enough, I had to pay the amount on the statement regardless of whether I owed it or not.
Company Response:
State: WA
Zip: 98662
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Due date is on XX/XX/XXXX assessed a late fee on XX/XX/XXXX. Logged back in and they stated I was wrong and they changed the date of the late fee charged.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Someone has stolen my identity and has taken out credit cards under my name. First credit card that came under my name was for childrensplace and I called comenity to report the issue. Now I received a hard inquiry in my credit report for XXXX which I never applied for. This is also under comenity.
Company Response:
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: 1. On or around XX/XX/22 BJs XXXX XXXX renewed my membership for {$55.00} without my knowledge or authorization. 2. It appears that to pay for the membership fee, BJs opened a XXXX with Comenity Bank without my written or verbal authorization or my consent. 3.This week I received a bill from BJs/Comenity Bank for {$190.00} even though I never renewed my membership or applied for a credit card. Charges were for a membership fee and various late charges and interest charges. To this day, I have not received a physical credit card and therefore do not know what my credit card number is. 4. Immediately upon finding about this bill, I cancelled the credit card and cancelled my membership ( XX/XX/22 ). I will likely pay the {$190.00} in order to stop late fees and any poyential damage to my credit. BJs says they will waive the membership fee but won't investigate why a card was opnened in my name without my authorization. Comenity won't invetigate this matter any further.
Company Response:
State: MA
Zip: 024XX
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: 2022-11-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Every month I go on the Victoria secrets mobile app it does not accept my sign in information. I have used my account number and that is an issue as well. I am unable to call and thats why the app is needed.
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2022 I redeemed XXXX points for a statement credit in which I was supposed to receive within 4 days, I never received it. I called customer service 10 days later XXXX and they said it can take up to 10 days to be credited to my account, so I waited, still no credit. Next, I called customer service yesterday XX/XX/2022 and they said it would be credited on my payment due date, which is XX/XX/2022. Now that doesn't do me any good since I wanted it to be credited before my payment due date so I could pay off my account and keep it open. So, since they are playing games, I already messaged XXXX XXXX, which is covered by Comenity Bank, and asked them to close my account. And like wise I will also close this account, XXXX XXXX XXXX XXXX XXXX, in which I have had for XXXX years in great standing, once they credit it, and I pay off the remaining balance. Thank you very much and please stay safe. XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
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: XX/XX/2022 I got a statement from Comenity National Bank for account # XXXX, a rewards credit card for XXXX 's XXXX. I immediately notified them by phone that this was a fraudulent account, and after hours of being transferred, I got through to the investigations department who assured me that they were closing the account and I wasn't responsible for the charges. I reported the identity theft to the police, I have a police report. I notified the XXXX credit agencies and froze my credit. At the time, my credit score was XXXX. At the time I also got inquiries from XXXX Bank and XXXX, who also manage store credit cards, but XXXX contact to each of those ended the new inquiries. Comenity sent me a form for me to fill out in wiriting, and attach a copy of the police report, which all was completed in XXXX, Meanwhile, the thief continued to charge purchases at XXXX XXXX and attempted at least XXXX more stores managed by Comenity. My credit score is currently down to XXXX. Comenity is still calling me about the " past due charges '' on the XXXX XXXX XXXX account and when I called the fraud department this week, they told me the investigation had been closed and it had been decided that I owed the charges. I was never notified in writing that the investigation had been closed. I doubt I'll be able to undo the damage to my credit score but short of spending hundreds of dollars on a lawyer I hope there is a way to make the bank do what they're supposed to do. Comenity manages credit cards for over XXXX retail companies and they are clearly having issues managing
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am disputing the inaccuracies, and I request an immediate investigation and removal of the late payments on XXXX and XX/XX/2022 that are shown for CB/KAY account per 15 US Code 1666 and 15 US Code 1681b. I have not made a late payment to this account. The information across each bureau is different. there are several inaccuracies. On the XX/XX/2022, it is showing an on-time payment ( OK ) on XXXX and XXXX. However, it is showing 30 days late on XXXX. Please update XX/XX/2022 to show that an on-time payment was made ( OK ) or leave this field blank as it is reporting in XX/XX/2022. In addition, on the XX/XX/2022, it is showing 30 days late on XXXX and XXXX. However, it is showing as a blank on XXXX. Please update XX/XX/2022 to show that an on-time payment was made ( OK ) or leave this field blank on XXXX and XXXX.
Company Response:
State: GA
Zip: 30307
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A