Date Received: 2022-11-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I set up an online payment of {$1800.00} to be paid on XX/XX/2022. This online payment does not, never has, showed up on their bank site under scheduled payments. I have called, I have written, and they seem to not have a solution. They say they see the payment and tell me everything is alright but what if I want to modify the payment, or delete it, or whatever. I can't because it is not there. Worse yet, what if the payment does not go through even though they said it should? I got an email the day I set the payment up with a confirmation number, etc., but when looking online the scheduled payment section says there is no scheduled payment by me. It is a store card, XXXX & XXXX XXXX card thru Comenity Capital Bank. Is it illegal for a Bank to be this incompetent?
Company Response:
State: WA
Zip: 986XX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Company closed my account without notification, sending incorrect information to Credit Reporting Agencies there by Defamation of Character
Company Response:
State: GA
Zip: XXXXX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am writing to ask you for help in admonishing XXXX for their wretched, selfish behavior. They were my mother 's all time favorite store. Prior to her death, mom had ordered {$44.00} worth of clothing, which happened to arrive while she was in the emergency room. She knew then, I guess, after 7 years of XXXX, that she wasn't going to come home, even though we did not understand that. She asked us to return the items, which we did the day after they arrived. She died XXXX weeks after being admitted to the emergency room, on XXXX XXXX. She was in tremendous pain during that time. XXXX charged us {$19.00} for the return -- but not until after her death, so a couple weeks after the return. Fine. We received the bill on XXXX, which was the day it was due. On XX/XX/XXXX. I called and asked for a grace period of another week as we were in deep mourning. " XXXX '' said no problem. I still mailed the {$19.00} that day. On XX/XX/XXXX, I called because I'd gotten yet another bill, and " XXXX '' asked me to mail the death certificate, which takes XXXX weeks to receive in MD. They said when they received it they would remove all of the fees and not to pay any fees or bills. I did so on XX/XX/XXXX. I sent everything they asked for. The bill became {$29.00}. Then the bill became {$60.00}. I also called repeatedly. But now, everytime I call I have to enter in her card number, then her social security digits -- and only then did I get a message that their office is temporarily closed. I have called more than 12 times and this is what happens, so I'm guessing they don't want to talk about this account. On XX/XX/XXXX I finally mailed the next bill for {$60.00} just to stop the craziness. They held this check for nearly 3 weeks before depositing it, which meant it was deposited late. Everyone else I paid on that date deposited the checks within a few days. Today, XX/XX/XXXX, I have yet another bill for {$60.00}. Sent less than a week before the due date which is XXXX ... which means if I pay it, it will be late -- and they will send yet another bill -- a week before it is due. Is this ever going to end? No one else is this rude. Everyone else answers their phones. Everyone else heard that my dearest, most wonderful mother had died and carefully helped us to close out her bills. I'm not asking for anything here other than how to close her account and stop receiving these late bills from them. The {$19.00} should have been the final bill. Please advise. I really do not know how to resolve this short of blasting them on social media. Details : XXXX XXXX XXXX is the name of my dear mother
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been reaching out since XX/XX/2022 to fix my late payments on my credit report. Ive been told numerous times to dispute with credit agencies but Victoria secret keeps validating my late payments. They have yet to fix my concern. This is harming my ability to buy a house and keep good credit. They also lowered my credit limit along with other credit card companies who felt that I may be at risk due to the late payments reported by XXXX.
Company Response:
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Received the statement from XXXX XXXX XXXX account credit card with charges for XXXX XXXX XXXX XXXXXXXX ( XXXX ) for {$1.00} XX/XX/XXXX and {$99.00} on XX/XX/XXXX. These charges were not recognized by me, so I called the phone number and the person I spoke to said it was for a gym membership or fitness program that would be billed monthly in the future. I did not sign up for any fitness program and had no reason to do so as I belong to the XXXX and have access locally to any fitness programs that I need. The woman that I spoke to said that she could cancel the monthly membership, but could not cancel the initial charges, she did say that she could offer me XXXX XXXX XXXX for XXXX of the charge and when I said I did not want them, she said she could offer me her employee discount toward some XXXX XXXX XXXX something. I then told her that I was going to report them to the state Attorney general and she said that they would not be able to do anything about it. I then called Comenity bank who is the bank that the card has come from ( recently changed from the previous bank. I spoke to one XXXX who said he was going to transfer me to someone that could help and then the line went dead. I did report this to the XXXX on XX/XX/XXXX via an email complaint. On XX/XX/XXXX I called the XXXX XXXX card number and reported this to them. They started a fraud investigation and stated that they would cancel the card and send me a new one. Any resolution could take up to 90 days. I told them I did not want a new card, to just cancel the old one. We have paid the bill, minus the {$1.00} and {$99.00} charges. I heard from the AG office today ( XX/XX/XXXX ) who stated that they were not the right agency, and that I should report this to the CFPB, and gave me the phone number. After calling, I decided to submit the complaint online.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was a few days past due on my credit card account through Comenity for Zales and began receiving multiple calls a day from a private number. I do not answer calls from private numbers as they are often spam calls. This caller never left a message but would call repeatedly. Had they left a message then I would have known to check my account. Finally, I answered and they told me who they were and why they were calling. I got online and made the payment as soon as I knew. The ridiculous number of calls I received is the topic of my complaint. It was 4 calls in 3 hours each day. I have multiple jobs and go to school full time. If it isn't important enough to leave a message or call from a visible number, then it isn't important enough to call that many times.
Company Response:
State: TX
Zip: 76209
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/2022 Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Charge XXXX XXXX # XXXX XXXX XXXXXXXX, I am responding to your last response letter from the Consumer Protection Bureau portal regarding this Avenue account, you are mistaken as this is your final letter because the details of this account is false and deceptive. You are stating it is your policy to comply with all applicable laws and regulations ; however, you are not following any Federal applicable laws based off the findings in this letter. First, you infringed upon my rights to privacy by selling my personal information to a third party agency. According to 15 USC 1692a, Congress is aware of the abundance of evidence of abusive debt collection practices contributing to the invasion of individual privacy such as me the consumer natural person. As a result, you violated my rights to privacy. You stated you sold this account which indicates you received income for this account. Your corporation is reporting this charge off on my credit report when in fact Pursuant to 15 USC 1681c ( a ) an account placed for charge to profit and loss is considered income for the consumer and no income shall be reported on a consumer credit report. Where is my 1099-c, so that I may file this charge off as income? This account will be rectified and I will be filing a form 3949-A of this fraud with the Federal Trade Commission and Office of Tax and Revenue concerning the tax fraud. Your institution will update my account as paid in full and remove any derogatory remarks. You stated XXXX XXXX XXXX XXXX XXXX may report this alleged account under its name as the new creditor. Federal Law states according to 15 USC 1692a ( 4 ) that a creditor does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. XXXX XXXX, whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. As a result, I am including an invoice for {$5000.00} that will be sent to me check using certified mail for infringing upon my rights to privacy. If you should have any questions, you will contact me via email only at XXXX Thanks, XXXX XXXX XXXX ( XXXX ) Without Prejudice
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I used my XXXX XXXX XXXX checking accounts on line bill paying feature to pay my credit card bill. I have used this method of payment for many years with no problems. The amount was {$1000.00}. That amount was removed from my account on that date. Unfortunately, the money was never credited to my credit card account. I understand why there may be a problem. The credit card account was being transitioned between banks at that time. The payment was made to the old account, XXXX, however Comenity was managing the new account. It is my hope that you will take the time and effort to work together with XXXX XXXX XXXX and XXXX to find and apply the XX/XX/XXXX payment to my current credit card balance. This payment was processed, posted and cleared. I no longer have that money. I did contact XXXX XXXX XXXX and they were able to provide me with a Reference Number. XXXX XXXX XXXX has told me that they are not able to provide anymore information to me. XXXX XXXX XXXX claims that XXXX and Comenity should be able to locate the payment with that information. However, should XXXX or Comenity need additional information, they would need to contact XXXX XXXX XXXX directly. Because Comenity did not receive the funds, my credit card access was put on hold. I was able to make the minimum payment by phone and credit access was restored on XX/XX/XXXX. On or about XX/XX/XXXX, I contacted Comenity to enter a dispute of the lost payment. Comenity wrote me a letter stating they would look into it. Then I received the letter dated XX/XX/XXXX stating that there is no record of my payment to the XXXX XXXX Visa Card. The letter stated I needed to contact my bank. Well, I did not make the payment to the XXXX XXXX Visa Card, I made it to the old XXXX XXXX XXXX. The letter stated I need to write you a letter to provide the additional information. I have tried to keep up with the payments as best as I can. However, the fact that this money was not applied as expected has caused the account to accrue Late Fees, Foreign Transaction Fees and Interest Charged. Not to mention the many hours I have spent performing this research. Once the matter is resolved, I will expect ALL fees to be reimbursed, totaling {$75.00}. On XX/XX/XXXX, I sent a letter with all supporting documentation to Comenity as instructed. On XX/XX/XXXX, I created an on-line account with Comenity and uploaded the same documents. I have called Comenity every two weeks requesting an update and each time the response is " its under investigation '' and " we have 90 days to complete the investigation. '' I have exhausted all of my resources and I am not able to assist any further. You have all of the information you need to resolve the problem. I look forward to your expedited resolution. Thank you, XXXX XXXX
Company Response:
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received a statement from Woman Within in the amount of {$73.00}. I then paid this 2 days early. It was retuned. When I called them about this, they said " if I can prove that it was the banks fault, they will remove the late fees. '' I then called my bank and was told that the card did not enter my entire card number when they took the payment and that changed the entire account number. Now I am not able to place an order using my card. I just called the card again because I have no balance. I called them again today to ask why I am not able to make a purchase on my credit card. I was told it had to be 15days, XXXX XXXX, before I could use my card again. I asked the rep where it said that, he repeatedly said it was not on my statement. I again asked where does it state that I have to wait 15days. He could not tell me. I then asked to speak to a supervisor. When she came on I asked her why I could not use my card with a zero balance. She then said I have to wait until XX/XX/XXXX before I can use my card. I do not understand why the different days. She could not explain. I then asked why I was charged a fee of {$2.00} when I paid the balance in full 2 days before it was due. The only thing she could say was I paid the bill on XX/XX/2022 which is after the due date. The due date was XX/XX/2022. I paid it on XX/XX/2022 and they still charged me fees. They returned the rest of the fees and interest. Why not that? I was told I could not I could not charge anything until the {$35.00} was paid. That was paid on XX/XX/2022. On XX/XX/2022, I tried to place an order and was denied the ability to place it. No explanation as to why. I have a {$0.00} balance and am still not able to place an order. They must not want people to use their credit card.
Company Response:
State: OH
Zip: 44024
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a new hard inquiry on my credit report from comenity capital/ XXXX. I have not applied for any new lines of credit. I called comenity and spoke with a representative who spoke very broken English and couldn't understand that I was trying to say that there was fraud in credit report and she thought I wanted to make a payment. I asked to be transferred to their fraud department and my call was left on hold and never answered. I do have an open account with comenity through BJ 's which also has not reported to my credit report since XXXX
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A