Date Received: 2022-11-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Received a notice from XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ XXXX. Attorny for plaintiffXXXX XXXX XXXX and file number is XXXX. Comenity Bank XXXX XXXX in the amount of {$570.00} plus costs now the balance due is {$720.00}. They are stating : IMPORTANT NOTICE- PLEASE READ CAREFULLY FAILURE TO COMPLY WITH THIS INFORMATION SUBPOENA MAY RESULT IN YOUR ARREST AND INCARCERATION.
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: This company alleges that my payment due on my card in XXXX of this year had bounced. This is untrue and I attempted to provide them with the documentation. I have spoken to these people XXXX times and they have deliberately stonewalled my efforts along with providing erroneous or false answers. I do not know what to do next, because I can not trust them with further payments if this is the treatment I receive.
Company Response:
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My XXXXcommenity credit account has been paid off since XXXX and they have not reported since XXXX. I have called multiple times and have not resolved the issue.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2021 I made purchases on my Comenity Bank card at XXXX XXXX XXXX XXXX. In XXXX I realized that I never received a statement. Not paper nor email. I called them and paid the full amount of XXXX $ on XX/XX/XXXX. End of XXXX I called them to cancel the card since I was upset they fail to send me statements.Over the phone they advised me that I have another XXXX $ in late fees for which again I was NOT notified. I paid the full amount. Confirmation number for the card cancellation was XXXX. The card was yet never cancelled by them. The same week my credit score dropped from XXXX to XXXX. Comenity had reported me as over XXXX delinquent. Although I paid the pull amount in XXXX they have charged me XXXX $ late fee AFTER I had paid the pull amount. Those XXXX $ had accumulated to XXXX $ and they reported me delinquent. In XXXX I called them trying to dispute. Although they admit it was wrong and they reimbursed me the XXXX $ ( confirmation XXXX ) they say that once reported they can not unreport the late payment. I have tried reporting with all three bureaus but nobody can amend Comenitys initial fraudulent charge. I have not changed my email or address in the last XXXX years. And although I complained in XXXX that I no longer receive statements, they failed to notify me of any late charges. I believe Comenity bank knowing charges their customers fraudulent charges and fails to notify them in order to collect fees.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Since XXXX of 2022 this company has not reporting anything to the credit bureaus. It currently shows a balance significantly higher than what it actually is.
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-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 have a credit card account with Comenity. I checked my XXXX credit report on XX/XX/2022. Comenity has not updated the balance on my credit card since XX/XX/2022.
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I received a call from the following phone # : XXXX ( XXXX, Co ). The caller said he was from Commenity Bank and said it was concerning a past due amount and wanted my personal info. I told him that if I needed to talk to someone about a past due, I would call myself directly. I do have a credit card with Commenity Bank XXXX XXXX ) and it has NEVER been late and I knew right off the bat it was a scam. I am a senior and maybe they are focusing on our age group. Thank you
Company Response:
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been unable to use my Comenity Capital Bank XXXX XXXX credit card in over a month. I have made numerous phone calls to get resolved only to be told I have to speak with the Security Department and left on hold for over 40 minutes at a time with no Representative ever picking up. I do not have an hour to sit on hold and wait for a non-existent representative. I am very frustrated, I have never missed a payment or made a late payment and I just want to be able to use my credit card. Please help me.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Comenity bank closed my Victoria Secret charge card, they lower my credit from {$1000.00} to {$100.00} and when i went to purchase a few items on XX/XX/2022 I was told that my account is closed. I wasn't notified by Comenitybank and was embarrassed when my card declined
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been a victim of Identity Theft. I have been dealing with this for over a year. I use XXXX XXXX which monitors my credit which alerts me each time. My SSN was used to open a Credit Card for XXXX XXXX. When I received the card in the mail I immediately contacted the number on the back of the card to report this fraudulaent application and card. The account was closed immediately.
Company Response:
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A