Date Received: 2022-11-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX contacted me from Commenity Bank in reference to a Victorias Secret account I had. Ive experienced hardships from Covid to losing my job and eventually not being able to afford childcare. Ive explained that to a representative previously before my phone was damaged. She stated theyve been trying to contact me for months, but how would that be known to me if my phone isnt operating. She began to get irritated, irate, nasty and quite angry when I repeatedly told her what my current situation is and even threatened me by saying the charges are going to add up and Ill be sued so I just need to pay something or borrow more money. I proceeded to ask her if shed give me the {$20.00} she was demanding and she became unhinged, shouting out obscenities and yelling about how she didnt create this debt. It was just awful. I requested to speak to her manager but she rudely said theyre going to tell you what I just didnt why arent you listening and was placed on hold for what seemed like forever and unfortunately lost my connection. No one of that nature needs to be conversing or communicating with customers or consumers at all. I was then contacted several times from an unknown blocked number which I believe was XXXX XXXX.
Company Response:
State: MD
Zip: 21225
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have had problems with my BJs Mastercard credit card serviced by Comenity Capital Bank since their XX/XX/2022 software change. The first problem was that my credit card was denied during my XX/XX/XXXX vacation that their Customer Service attributed to the recent software change and took a couple days for fix the problem. Since that time I have consistently had problems receiving my Awards dollars ( or XXXX XXXX ) when I make purchases at various BJs locations. My current Awards dollars ( or XXXX XXXX ) balance as of today is {$230.00}. It's impossible to reach a live person via their XXXX XXXX at XXXX as I've waited XXXX minutes multiple times before giving up. I have also sent multiple Secure Messages via the BJs/Comenity website and received back non-sensical canned responses. For months the following has been posted under their Awards tab : " Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. '' I have repeatedly requested a {$230.00} credit be added against my credit card balance with no response. I will be paying my remaining balance in XX/XX/2022 and will no longer use this credit card until BJs/Comenity fix problems.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
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: XX/XX/2022 I noticed 2 charges on my account that do not belong to me from " must have savings '' in the amount of {$1.00} and {$99.00}. I called in to Comenity bank customer service on XX/XX/2022 to dispute the charges, and to get a new card with a different number so I wouldn't be defrauded further. I did receive a new card however Comenity bank failed to follow up the dispute process. I called today XX/XX/2022 to check up on the dispute and have been told that nobody at comenity bothered to investigate the dispute. I have also been hung up on 3 times today, because nobody wants to work on the file and give me a proper answer. I would like to file a complaint that they are charging me for interest and charges I don't owe, for not investigating the dispute within 90 days as per the FDCPA and for abusive practices since they keep hanging up on me and fail to respond to my questions. In addition to this, they still have not issued my points rewards for XX/XX/2022.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Comenity Bank calls me all day, every day. I receive at least XXXX calls each day from various numbers and unknown callers- all of whom are a representative from Debt Collection at Comenity Bank. This is all in regards to an an outstanding balance on my XXXX XXXX When I answer the phone, I am told that if I do not make a payment they will send me to collections and my credit will be damaged. When I ask the representative to access my account, they are unable. They claim my account was damaged by the system update so they are unable to do anything. They will send me to every department to repeat my story until I am given to a supervisor. I have now spoken to over 50 supervisors who have told me they have either left notes or submitted tickets to fix my account. Still, I receive threatening calls, emails, text messages and letters to my home. Most of which claim I owe them hundreds of dollars more because payments are late. They are harassing me over an account they too can not access. The last supervisor I spoke to told me if this account gets sent to collections, Comenity can not promise to resolve the issue. This has been my daily norm since the day I opened the account- XX/XX/2022. I have sent XXXX rounds of certified mail to the company - exact copies to both the Customer Care department and the Disputes department. Each received and signed for by a XXXX XXXX. The first round of mail included screenshots and a letter of my account info, communications and an outline of my issue. The second round included updates and checks to cover the full balance ( in the hopes they could process a payment that way. ) I have been ignored when I try to resolve this issue, and harassed with phone calls starting early in the morning all the way into the night.
Company Response:
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
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 I placed a charge with XXXX ; a company overseas for soccer tickets. I never received the tickets and missed the match. Nevertheless they overcharged my credit card for {$390.00} for a {$10.00} ticket. I tried disputing the charge since it happened but I have not been receiving any support or feedback from my credit card company. I have stayed on hold for multiple attempts with each attempt being over XXXX hours before hanging up. I seek reimbursement for the full amount under the consumer protection act. Any help in this matter would be appreciated.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Approximately XXXX years ago, someone fraudulently opened a store specific credit card in my name. Comenity Capital Bank, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, serviced that credit card. When I received a statement of amounts due for that card, I called Comenity to report the fraud. Comenity told me that I had to send them a substantial amount of documentation to prove the fraud. I refused and advised them that any extension of credit on that card was at their peril and risk. To further protect myself, I placed a freeze on my credit information with XXXX. Today, XXXX XXXX, I received a letter from Comenity stating that they could not continue to process a new application for a My Place Rewards Credit Card until I lifted the freeze on my credit info with XXXX. Needless to say, this application was fraudulently submitted in my name. The whole reason I placed a freeze on my credit info in the first place was Comenity. I called Comenity today to advise them of the fraud. I told the initial contact that I wanted to report the fraud and was placed on hold for more than XXXX minutes before I disconnected the call. I believe the foregoing is a violation of the XXXX XXXX XXXX XXXX. The underwriting, or lack thereof, with regard to the second fraudulent application, constitutes gross negligence and a wanton inconvenience for a consumer such as myself. I seek any and all relief that the facts warrant, including but not limited to a letter of apology from the President of Comenity Capital Bank. They knew or should have known of the second fraud before they inconvenienced me with a letter which required my response. Thanks.
Company Response:
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, XXXXXXXX XXXX to arrange payment. I had set up an agreement with XXXXXXXX XXXX XXXX a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted XXXX of this on multiple occasions and attempted to pay the debt. XXXX refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXX XXXX XXXX that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both XXXX XXXX XXXX and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.
Company Response:
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The following fraud chargers were mad on our account when our account balance was XXXX XXXX We have not made these charges and should not be responsible for any of this. XX/XX/2022 Interest Charge On Purchases {$4.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 XXXX XXXXXXXX XXXX {$100.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$70.00} Fees XX/XX/2022 FOREIGN CURRENCY FEE XXXX XX/XX/2022 FOREIGN CURRENCY FEE XXXX TOTAL FEES FOR THIS PERIOD {$5.00} I was told that the account would be closed and investigated but the account still remains open and active. Now they are stating " We will let the national credit reporting agencies know that we closed your account. You will continue to receive billing statements every month until your remaining balance is paid in full. Currently, your balance is {$72.00}. '' This is from " LATE FEES '' on FRAUD charges are we DO NOT owe this ... .you can't even get through to anyone on their phone lines
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Attached you will find images of 7 checks that have been cashed by Comenity bank but not applied to my credit balance. Nor have they been forwarded to another company. I would like my money back. The checks total {$5200.00}. Yes, this is a duplicate of another complaint but I am hoping that by providing Comenity with the check images they will have a better chance to identify the deposits and return my money back to me. Comenity has stated that they stopped forwarding payments in XXXX of 2022 and since these checks are dated after that, I am sure they still have my money and again, I want my money back.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid my Zales credit card off in full on XXXX. Since paying this off I've called at least 4 times and sent several messages through my account portal trying to get the balance removed from my credit report. They had no problem reporting my balance and payments when I owed them but once its paid I can not get the balance removed. I have disputed this with XXXX they also have been waiting on a response since XX/XX/2022. This is effecting my credit score as well as giving the impression I've owed this since XXXX the date of their last update.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A