Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/22 Comenity Capital ran a hard credit check on my account. I have never heard of Comenity, have not applied for a credit card, nor authorized this credit check I contacted XXXX and placed a fraud alert on my account and asked them to remove the check I attempted to contact Comenity Capital however was not able to reach someone who could help
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received an email from " The Children 's Place '' that they had shipped my order. I never placed an order with them but they had my email address, mailing address and credit card in my name but were shipping the order to another address. I used my email address to request a password change and found a charges on a credit card from this store in my name. I told them I never requested a credit card and that I never placed the orders. Their email response was that once an order is confirmed it can not be cancelled, updated or changed.. They have yet to get back to me by phone. There were several orders XXXX of XXXX items had shipped. The order totaled {$140.00} and was paid with XXXX XXXX XXXX Credit Card ending in XXXX. The Children 's Place, XXXX XXXX XXXX XXXX, NY XXXX phone XXXX. XXXX XXXX is XXXX and XXXX XXXX is XXXX.
Company Response:
State: NY
Zip: 12020
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive already filed a complaint about this company in regards to improperly using my credit report. The resolution was on XX/XX/22, the company requested the credit bureaus to remove the hard inquiries on my credit report. I was also instructed this XXXX take up to 45 days. As of today, XX/XX/22, these hard inquiries are still on my credit report.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Every month there is an additional amount added to the purchases without an explanation. Usually over {$1000.00}. This month it is {$1300.00} plus. Last month I paid twice, close to {$3000.00} total. I wrote for an explanation and didnt receive an answer to my question. I pay the charge in full each month. I feel that they arent making any money on me with the interest charge so they are adding amounts to be paid. Usury, I feel. When asked to explain they told me that the card is an international master card, which I already know. They didnt address the question. They are double billing I feel.
Company Response:
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: To whom it may concern, I am reporting predatory business practices by COMENITY - New York & Co. credit card services. I paid off my credit card in full on XX/XX/XXXX, in the amount of {$500.00}. Then I received another bill in the mail stating that I owed {$6.00} even though the account was paid off, which was confirmed over the phone. According to them, I was paying late fees. I then pay that bill and an additional charge of {$9.00} over the phone on XX/XX/XXXX. On that same phone call, I tell them to close the account. On XX/XX/XXXX, I got a bill for {$16.00}. I called them to dispute it, and according to them, the {$16.00} is another late fee because my last payment was late. On XX/XX/XXXX, they stated that they had removed all the charges, and my bill was paid in full. Today, on XX/XX/XXXX, they stated that I owed {$190.00}. There is clearly no way to pay off this card in full. COMENITY - NEW YORK & CO. are predatory in their practices. They do this because they know people will continue to pay in fear of non-payment affecting their credit scores. The information that I have on this company is the following : The address for return payments is XXXX XXXX XXXX XXXX, TX XXXX. The website for this credit card is nyandcompanycard.com. The company that the card is aligned with is COMENITY. The phone number that I have for this credit card company is XXXX. Please let me know what can be done to stop their predatory practices. Thank you, XXXX XXXX
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXXXXXX XXXX XXXXXXXX I made a purchase on the XXXXXXXX XXXX XXXX website. I was encouraged to open a credit card to save money. I opened the card with Comenity bank and then paid it off. They claimed it wasn't paid and charged a bunch of fees. I used the card once more in XXXXXXXX XXXX XXXXXXXX. I didn't receive the bill until months later with interest and late fees. I have since spent hours on end on the phone with the company. Every time I try to pay it off and the following month get told I owe even more. I received letters stating that it was paid off only to then be called and told I owe another {$110.00} dollars. They call my home 10 times a day and hang up when I answer. I have never had these types of problems with any other creditor. I just want this to end. I don't know what to do. Every time I call the company it only seems to get worse. It has been a nightmare!
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX credit card but currently charging me XXXX XXXX plus for interest calls me daily after explaining I'll make XXXX of the month payments in the highest amount I can currently afford and to discontinue calling but they continue calling me irrigate and from random numbers.
Company Response:
State: NC
Zip: 28001
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXXXXXX XXXX continues to have major issues with its computer systems that result in customer inability to access account information and make payments. The system outages are frequent and impact the automated phone system the online system, and the easy pay system. Theres also a great possibility that our information is not secure during these outages. This happened in XX/XX/2022. And again today in XX/XX/2022. They also are not updating credit reports timely with balance information.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: My XXXX Member Rewards credit card account, which was previously being successfully managed by XXXX XXXX XXXX, was transferred/sold to Comenity Bank with an effective date in early XXXX. Despite the fact that it was specified that monthly statements prior to the transfer ( for consumers with paperless statements/billing ) would be available online now through Comenity ( see screenshot from approximately XXXX weeks ago ), the statements are not available. Comenity customer support representatives on the phone have been unhelpful, suggesting that I contact XXXX XXXX XXXX to get copies of my prior statements. XXXX XXXX XXXX stated that they transferred the account and that they no longer have the statements nor are they obligated to provide them to me. Comenity Customer Service then suggested submitting a form on their website, which initially seemed to have gone through, but I later received an email stating that there was a " technical glitch '' and the message/form was not delivered. I responded to that email on XX/XX/2022 and have heard nothing back. I have also mailed them a request for statements ( paper mail ) as instructed by their phone customer service agents and have not heard anything back. Now ( as of XX/XX/2022 ) I can not even log into their website, which gives the " technical glitch '' error again, and I just called their customer service XXXX number again only to be told that the system is down and they can not help me nor can they give me a date/time of expected recovery ( only told to try again tomorrow ). There are purchases I made using the original XXXX XXXX XXXX XXXX XXXX ( prior to the transfer ) for which I am now eligible to be reimbursed by a third party, but I need to submit the statements and I can not access them. This is costing me approximately {$40000.00}.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have asked Comenity Bank to stop calling me at work and my personal phone. I have been working with XXXX XXXX XXXX XXXX on credit card consolidation. I just dont want to be harassed
Company Response:
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A