Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my XXXX Comenity Bank account in XX/XX/2022 with a final payment of XXXX. When I call customer service they confirm that my account is paid in full and yet they started reporting that my account is 60 days XXXX due snd it is negatively impacting my credit. Apparently, they have acknowledged that theres a glitch in the system and that they will be correcting this in XXXX to 60 days and that many people are affected and they claim that theres nothing they can do to correct the problem immediately although theyve been sending false information which is especially aggrevious since I have paid my account in full and yet they claim that I am past due. I have worked hard to improve my credit and am applying for a loan and was horrified to have this appear on my credit report and no one willing to correct it when I contacted them today on XX/XX/2022
Company Response:
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a number of accounts with Comenity and I have never once had an issue so this circumstance is certainly outside of what I have traditionally known to be standard. I have an account back by Comenity Bank for Express Retail Store. I used the card solely to ensure usage for a single item purchase. The balance at such time was {$36.00} during the same billing cycle I paid the amount listed above with a live agent on a recorded line utilizing certified funds with a debit card payment for which a confirmation was provided. Months after the fact I took notice that my credit limit was slashed and 1,2,3 late fees in the amount of {$90.00} were assessed to the account. They advised payment never received I provided proof of payment via mail, secure docu portal through online account manager and they reviewed recorded call to confirm it was in fact made. They then proceeded to state they were having significant issues with their system in the month of XX/XX/2022 and this would be immediately rectified the three late fees credited back and amount shown XXXX out immediately then credit would be restored. They credited the three late fees and said please allow 1 cycle to see statement updated and credit limit restored. A month later this is still showing due they added three more late feee back and then increased interest and never increased limit again. I advised I was filing formal grievance and their response was my account would be subject to closure or reduced limit across all Comenity banks if I filed a complaint is this the mafia?? Their willful negligence, billing malpractices, conduct unbecoming of what a corporation should represent and the countless manhours and undue stress associated herein with respect to something for which I should not be penalized before has become so exhausting at this point I should be compensated for my time and damages let alone account IMMEDIATELY fixed Over 11 supervisors have confirmed this was being zeroed out now they call me non stop when I call to make a payment on an account that has nothing to do with this one they go through the run down of how I owe them money which I do not in fact owe how would I like to take care of it? Then when I advise yet again of the circumstance over and over and over and over again they get an attitude and put me on a significantly long hold, hang up on me or give me the runaround. I do not owe this account my limit needs to be immediately restored to date you have fraudulently assessed {$180.00} on a {$36.00} transaction was is wrong with you? Thats excessive by every stretch of the imagination. I paid and I paid with live agent this has been confirmed over 20 times now it has also already been stated many times over this was being XXXX out and credit limit fixed so why am I still exhausting efforts months later? Lets move to arbitration or legal immediately Unless fixed immediately and do not ever threaten me again
Company Response:
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Its been a month since I was approved for the new XXXX XXXX XXXX XXXX. Ive called Commenity Bank so many times that its hard to remember how many times Ive called. Theyve lied to me prior about having the second card expedited so they assured me that another would be expedited & I will get it within 48 hours. Yet, still NO credit card & now theyre telling me the same excuse that I keep hearing, there is a delay. They never provide shipping information nor tracking information, they cant even provide secure information on where the card is when you call to ask! Ive already put {$700.00} on the card for a flight & I can NOT access my account without the credit card information. Someone needs to look into this & figure out whats going on at Commenity Bank because I know this is an issue that several people are having.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is regarding a XXXX XXXX Rewards Visa issued by Comenity Bank. The last week of XXXX my card started being declined. I do not have any past due. with {$3000.00} in credit. I have called customer service many times and nobody ever answers. They hang up after 25 mins. Luckily I was able to pay my bill online. The phone number XXXX. This is only number for everything, including fraud.
Company Response:
State: UT
Zip: 84721
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Website is always down when I go to make a payment, then get charged late fees because payment is late. Then I get harassed by them calling multiple times a day ( sometimes within hours of each other! ) when the payment is less than 5 days late.
Company Response:
State: MI
Zip: 48446
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see inquiries reporting to my credit report that I do not recognize.
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX Hard Inquires Alert on XX/XX/22 my credit report was requested for a Comenity Bank/Sony/XXXX XXXX XXXX XXXX a credit card I did not apply for. This is a HIGH alert and remains on my credit for 2 years. I called XXXX and they reported to their fraud department, inquiry to be removed in 24 to 72hrs. XXXX Rep suggested I report to you FTC.
Company Response:
State: NY
Zip: 10591
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an Ulta XXXX through Comenity Bank that has no been updated through the credit bureau since XX/XX/2022. The account is paid off, but my credit report is still showing a balance.
Company Response:
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
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: On XX/XX/XXXX my daughter placed an order with XXXX who put a preauthorized hold on my card ( she is an authorized account user on my account ) as this was a preordered item that was due to be released on XX/XX/XXXX & my daughter purchased a small plush in the store as well. My total came out to {$400.00} on the same day she cancelled the pre order but kept the plush she then went back to XXXX on XX/XX/XXXX & purchased another small plush once I received my XXXX statement I paid off the 2 plushes purchased on XX/XX/XXXX the amount was {$30.00} but Comenity Capital Bank continued to bill me for both the preordered item that had been cancelled & the plush that I had already paid off, I called & sent documentation to Comenity multiple times to show I cancelled the order & paid my bill for the items that were kept. They absolutely refused to help me they disputed the charge for me but then removed the provisional credit they provided stating they couldn't help me even though the documents I sent them proved the order was cancelled. Comenity has been billing me for over a year about this bill & they continue to add late fees & finance charges. As of XX/XX/XXXX they have charged off my account to a debt collection agency & they are attempting to collect {$760.00}, to sum it up Comenity is billing me for the {$400.00} purchase plus fees, late charges & finance charges so the total amount they are trying to collect from me is {$760.00}.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Company employee closed my account in retaliation to being asked to provide clarification to charges.
Company Response:
State: CA
Zip: 92337
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A