Date Received: 2022-11-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Trouble making payments on time due to issues with their website. Trouble with them not drafting the checking account associated with payment to this account on the date specified. Have reached them reapetely on the matter. They have been less than helpful and locked my charge account for non payment when payments have not been able to be made due to issues on their end. I have been charged late fees due to this. Not one time has anyone ever asked me why payments are being made late and am enrolled in all of their insurance programs. Currently the account is in good standing provided the payment is recieved. I was on hold for a long time to speak with a supervisor and he basically screamed at me.
Company Response:
State: OH
Zip: 440XX
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: 2022-11-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX Account XXXX Comenity Bank I have requested this account to be closed on XXXX XXXX, 2022. I paid the full balance due of {$35.00}. I received a reply from the company on XXXX XXXX stating they will not close my account until the full balance due is paid. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. XXXX XXXX Credit Account - Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told that this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. XXXX XXXX XXXXXXXX XXXX Account XXXX Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. This company refuses to close these accounts and continues to charge me {$2.00} per month ( their fee ) plus interest. In addition, they are reporting these XXXX accounts inaccurately to the credit report agencies showing I owe the full credit limit as opposed to a {$0.00} balance and the account was requested to be closed. I have filed a complaint with the XXXX XXXX XXXX and received a " blanket '' response from Comenity Bank ( same response they have given to all their customers with similar issues ) that they are researching my concern. I have filed a complaint with XXXX disputing all three accounts which will remain open until XX/XX/2022. This company is affecting MY XXXX XXXX due to the fact that the unpaid balances are showing up as late. After several requests, they refuse to send me a letter in writing that my accounts have been closed. This company does not operate in good faith.
Company Response:
State: WY
Zip: 827XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I opened a credit card with Lane Bryant ( Comenity Bank ) around XX/XX/2022. I never received the credit card in the mail, so I have been unable to set up my online account. They began calling me shortly after repetitively about the debt, numerous phone calls every day. Even after setting up my first payment I received another phone call about the debt just days after setting up the payment. During the summer I called their help line and paid off the debt and requested another card be sent to me so I could set up my online account. A couple weeks later I received a letter in the mail from the company telling me that my request for a new card had been denied, so I am still unable to set up an online account so that I can monitor the debt and make payments on it. While I have not used the card since paying off the debt this summer, somehow more debt has built on the card. Now I receive many phonecalls throughout the day. The first week they started calling me I had over XXXX phone calls from different numbers, and upon blocking several of them they began calling from private numbers that could not be blocked. They have been calling like this none stop ever since. Just this morning ( XX/XX/2022 ) I had XXXX phone calls before before XXXX. They call at all hours during the day disrupting my work and sleep. These calls have been coming in this manner for over a month now. I would set up an online account to pay my debt but the company has denied me the ability to do so, and I have not even received the credit card I signed up for, which was discussed with a company representative when I paid off the debt this summer, but I still have not received the item which is rightfully mine. Calling the company to pay the debt this summer was a very difficult process involving long wait times on the phone and a language barrier with the agent that made it difficult to resolve the debt. They have also sent me texts on top of all the constant phone calls.
Company Response:
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX discriminated against me when applying for the Sony Rewards Visa card & is attempting to cover up that they discriminated against someone who has/had their income derived from XXXX ( which is illegal to be taxed )
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have XXXX accounts with Comenity Bank and they have not reported my new balances to the credit bureaus since XXXX.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have two accounts with Comenity Bank. One being the Ultamate Rewards Card and the other being a Visa with XXXX. I paid off these cards on XX/XX/XXXX and they are still reflecting as having a balance with all three credit bureaus. After looking closer to the credit reports it looks like the balances and/or payments have not been reported since XXXX of XXXX. I reached out to their customer service lines today ( XXXX XXXX, XXXX @ XXXX ) and was told in both instances that their credit reporting systems have been inactive since XX/XX/XXXX and they do not have an estimated time of repair. Isn't it their due diligence to report accurate information? I am in the process of buying a home and this will directly affect the rate I will get. I believe I have disputed this already but will check for details as they then reported the balances shown were accurate. This would then be fraud? What can I do to fix this problem since I have disputed with no positive outcome?
Company Response:
State: CA
Zip: 95966
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Comenity Bank has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards. Comenity Bank will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing Comenity Bank for ruining our credit. Comenity Bank 's irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue Comenuty and credit collection for this. I have months of proof with broken links sent by Comenity bank and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and Commenty up until XXXX when their system was compromised.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX of XXXX, I started working with a Credit repair company by the name of XXXX to help me remove some late payments off of some accounts on my credit report. On XX/XX/XXXX I found out when I got a call from our local bank that they had received 35 pages in a XXXX envelope with my name and address as the sender when the credit repair is who sent it not me. My grandfather passed away on the XXXX of XXXX which I was in XXXX with him until he passed and got this call as I was heading back to XXXX where I live so during this time I didn't think of all the companies I needed to call or who had gotten a letter as well the credit repair company told me that they would not have done this and blamed it on XXXX and we all know XXXX doesn't do that! Since all of this I had to pay {$200.00} to get out of my contract with the credit repair company this has all been a nightmare for me especially after losing my grandfather in the middle of all this. All other companies that got a dispute have been so easy to work with and saw that the dispute was not accurate and mailed me a new card for my protection. But then there is Comenity Bank where I have a XXXX & Victoria Secrets card for many years with gets the dispute Closes my account on XX/XX/XXXX with out my knowledge no letter, email or phone call at all and apparently you have 7 days to reopen the account which I found out on XX/XX/XXXX that my accounts had been closed I spoke to every person at Comenity to help me with this matter and I just kept getting told they can not reopen my account and to reapply well with what I have going on who is going to approve me NOT MY PROBLEM they should have contacted me all of the other banks did so when I never received anything in the mail or heard from Comenity I thought they either by a miracle didn't receive a dispute letter or did and saw that it wasn't relevant! They should have contacted me my accounts were in good standing who closes good standing accounts with out notifying the account holder if I would have never tried to use my XXXX account I wouldn't have known today that my accounts were closed they need to reopen my accounts this was not my fault and bad business on their end to not notify me through mail, email or by phone there is not excuse for this and now with the closed account status on my credit score will drop! I have no documents to send because comenity sent me nothing and the companies that received letters told me by law they couldn't send me what they received! please help me fix this matter I could only add one card number so I'm sending in another complaint so I can add the other credit card number!
Company Response:
State: ID
Zip: 83301
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had a credit card opened fraudulently under my name. It was opened back on XX/XX/2020. The credit card that was opened is called XXXX, by Comenity. I never knew it was opened until I received a billing statement from them. I had my wife call them to see where, when and by whom this credit card was opened. They gave her the information, after they wanted to talk to me to give her permission to talk to them on my behalf. She asked where it was opened at, which store, and they told her it was opened online, and she continued to ask what kind of store this is, and what was purchased. As the statement doesn't show what was purchased. They would not tell her what was purchased as they told her, that we should know. They continued back and forth with questions etc. I then told my wife to tell them it wasn't me and I'm not paying for something that was fraudulently done on my name. They continued to be a bit rude with my wife as she had them on speaker and I was listening to the entire conversation. The customer service representative continues to tell my wife that I needed to pay the debt that is due. I told her to tell them again that I was not going to pay for something that was done fraudulent under my name. The conversation got nowhere as the XXXX continue to be rude and insisting that I opened it and therefore need to pay for it. I refuse ; therefore nothing was resolved.
Company Response:
State: TX
Zip: 788XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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 went to BJs. They asked if I wanted to credit card ; I got the card, through Comenity Bank, a Mastercard. I have NEVER used the card, but starting in XX/XX/2022, a " clothing company '' in Texas has been billing me, each month ; all those monthly charges are FRAUD ; it was NOT me who made those charges. I have called the Bank for 6 months, every phone number I could find. Comenity Bank NEVER answers their phones ; I've sat on hold in over 50 call attempts, on hold for 2-9 hours. No answer. PLEASE HELP ME!!!
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A