Date Received: 2022-10-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX was originally managed by XXXX. XXXX announced it would no longer be overseeing XXXXXXXX XXXX XXXX company. The new company/bank overseeing XXXXXXXX XXXX XXXX is Comenity Bank . We noticed our new credit cards were not arriving. When we called Comenity to inquire regarding new credit cards, we were first informed they had to cancel our orginally issued credit cards because someone had attempted to register them fraudulently. Another representative failed to support that story and instead acknowleged that the company had never sent the cards and would be reissuing new cards. They never sent a last statement with updated balance even though they noted in a prerecorded message that new statements with current balance was mailed. We called in and were able to obtain our balance in order to make current payment. During a follow up call, we inquired regarding our rewards and informed them we would like to obtain our rewards. The representative hung up our telephone call. When we called back, they informed us that we needed to set up an account with them in order to obtain our rewards. They noted that in order to set up our new account, we needed to have our new credit cards. We informed them that we have yet received our new credit cards. They informed us that our new credit cards were on backlog. When we asked that our rewards be issued directly as a deposit to our bank as that is an option, they informed us that the Rewards page was down and they could not assist. We requested to speak to manager. We were unable to get one on the line following a prolonged wait.
Company Response:
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - XXXX XXXX XXXX ( XX/XX/2022 ) - XXXX XXXX XXXXXXXX ( XX/XX/2022 ) - XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
Company Response:
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2022 I applied for a credit card with Comenity BankXXXX XXXX XXXX XXXX They ran a hard credit check but have not provided any approval or rejection as of today via the USPS or email. I have called several times to both of the following numbers and can not get any answer on the approval or rejection status ( XXXX ) XXXX ( XXXX ) XXXX.
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Noted extremely high late fee on XXXX statement, due date is XXXX of the month most payments were being received between the XXXX and XXXX of the month. Requested to close my account due to this activity. Company processed my account closure on XX/XX/21. The entire account balance was paid off through their website ( comenity.com ) on XX/XX/21. Received XXXX statement and noted a {$2.00} minimum interest fee charged to the account on XX/XX/21. Contacted the company ( XXXX XXXX ) on XX/XX/21 regarding the fee. Was told they could not cancel the charge since the account was closed and that I would continue to be charged late fees and interest if I did not pay. Asked to speak to a supervisor, was placed on hold for over nearly an hour and was told they would waive the {$2.00} fee. Was also informed that even though I made payment through their website I would have to know to click " save on the interest '' to have included that {$2.00} fee in my pay off transaction.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a credit card with XXXX XXXX XXXX through Comenity Capital bank. I have had this card since XXXX of 2022. The last time they updated the account with the 3 credit bureaus was in XXXX of 2022. The account has been showing an incorrect balance with all credit bureaus since then. I have reached out to the company to see why they are not accurately reporting and they stated that " due to a system update they have chosen not to report account updates at this time ''. Their failure to report updates misrepresents my credit worthiness and credit score.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We have been getting at least 5 phone calls a day from comenity bank about a debt which is not ours. We called there customer service rep and were told that we would be removed but continue to get the calls. They said that some one probably fraudulently used our phone number. The calls are annoying and must stop. I owe no one money.
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I went to Victoria Secret on XX/XX/22 and was told to sign up for a card to get a discount. I asked, " will this affect my credit score '' Cashier XXXX said this wouldn't affect my score when I apply or if I closed the card. I submitted the application thinking this was a rewards card. It was not clear to me that this was going to have a hard inquiry on my credit report and I also asked if this account was closed if it would affect my credit. The Cashier said this application does not affect my credit. Now this account has affected my credit report and I was mislead in believing it wouldn't. They have sent me a card, but I do not want to activate it because I do not agree to having this card. I am attaching the receipt to this complaint.
Company Response:
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
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: I disputed a charge on XX/XX/XXXX and as of XX/XX/XXXX I have not heard from Comenity Bank XXXX. Also, I did not get a provisional credit while this amount is under dispute, so therefore I am being charged interest on that amount. I disputed the amount of {$1200.00}. I spoke with XXXX today XX/XX/XXXX and she said the dept has not got to my account yet to apply the provisional credit and also the dispute was only put in on XX/XX/XXXX This bank has turned out to be a nightmare, please help
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter dated XX/XX/2022, that " I tried to open a credit card for the store, XXXX 's XXXX '', but that the application was not approved as " further information was necessary for confirmation. '' I never, nor would I ever, apply for this store-based credit card. This is credit card fraud and identity theft. The letter was sent from Comenity Bank XXXX Account Protection Team ), which I have tried to call four times alone today, of which, they continuously place me on ridiculous wait times so that I give up. The letter is requesting the fraudulent person to call the bank within 14 days, so that the account can be reviewed and approved. This is identity theft and fraud, and I would like this to be addressed. Thank you for your assistance. Regards, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I called Comenity-XXXX XXXX XXXX XXXX and paid my balance due of {$180.00} At that time I repeatedly told the call taker that I was canceling the credit card associated with this account. The call taker was extremely rude. I just received a bill for {$2.00} from this company. I called today and was informed it is residual interest and the card had not been canceled. I repeatedly told the agent on XX/XX/XXXX that I wanted the account closed. We immediately destroyed the XXXX cards associated with this account. I called today to find out why I was getting a bill for {$2.00}. I was informed the account was not closed and the {$2.00} is residual interest and it is due on XX/XX/XXXX and if it was not paid additional fees could be added to the balance. I refuse to pay any money for a account that I repeatedly asked to be closed and paid my balance off. Money is being sought from me because a employee failed to do their job properly. We had this account for over XXXX years.
Company Response:
State: VA
Zip: 227XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A