Date Received: 2022-10-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a credit card with Children 's Place store chain, via Comenity Capital Bank. I was solicited in the store to save a significant amount off of purchases and earn rewards in purchases in their stores for my children. I have always kept my account in good standing and paid any charges off within the same month I made them. in XX/XX/2022, I paid off my last balance with them and had not made any new purchases. Suddenly in XXXX I saw that they had reported my account as being paid late so I logged in to check why. They have been charging me a " Minimum Interest '' of {$2.00} a month but I have a XXXX balance. They can not charge me interest when I do not owe anything. I had not made any purchases. I paid the fees once in XXXX because I didn't want to continue to be reported as paying late and I reached out to them via the account messenger. I asked for them to correct this issue and to close my account. I never got an answer back and today I see that they are doing it again, charging me minimum interest fees and late fees when I have not made any purchases. today I was able to get someone on the phone, from a overseas call center, who was able to close my account with them. Several attempts to contact them have gone unanswered. This is after they've gotten money from me wrongly from these fraudulent charges and not refunding me. I am filing a complaint because this is a fraudulent money grab on their part and while I'm sure many like me are catching it after paying small amounts, with thousands of customers, this adds up for them.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: BJ 's Parks Mastercard issued by Comenity Capital Bank holding customers rewards money due to the technology issue. This issue is going on for months and they are not giving 5 % rewards on purchase at BJ 's. The statement showing they are proving 2 % only and most case 0 % ( document attached ). The reward activities are very confusing and it appears the bank is hiding the reward money. There is no way for a consumer who can understand the reward activities in their online account. The Bank website showing the following message for months in their website. " 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 ''
Company Response:
State: NY
Zip: 14051
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My BJ 's Perks Mastercard issued through Comenity has failed to report updated balance to credit bureaus. There has not been an update since XX/XX/2022.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: The bank took over my account without my knowledge and or notice and never sent out a replacement card. I contacted my previous institution to pay my statement when I was notified of the new bank. After contacting the new bank I was then told my that the new card and any details of my account would be in on XX/XX/22. After calling again and demanding my card and account information, I was told that I would have to pay a fee to get the information sent to me. I told them that I will be contacting the attorney general 's office over the issue since they are scamming me and they didn't care too much.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank charged me {$2.00} after a payment in full was paid. The said charge was not sent via email statements as it was not a " charge '' leading to issuance of a statement. I was further charged with a 30 day late, 60 day late and I assume a 90 day late on my credit. I have the statement and recorded call wherein Comenity cleared the outstanding balance and stated the charge was correct due to XXXX balance. My credit score dropped XXXX points IN THE MIDDLE of a vehicle purchase. My interest rate doubled from 5 % to 10 % directly related to this issue.
Company Response:
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Bank has not reported to the credit agencies since XXXX. I have recently payed off all my debts, including this one, but them not updating my current balance is effecting my credit score, and I will be applying for mortgages soon. I need them to report my XXXX XXXX balance correctly so that the utilization for my BJ 's Perks Mastercard is reflected correctly. It should change significantly from above 90 % to less than 12 % utilization. My statement closing date was XX/XX/2022 and like I said before, they have not reported my credit account with them since XXXX. I have tried reaching out multiple times and spent hours on hold, I can never reach anybody.
Company Response:
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called in XXXX to pay the balance over the phone. I paid the balance. I received a bill in XXXX for a {$2.00} " fee. '' I called and they couldn't give me an adequate explanation for the fee so they waived it and it brought the account balance to {$0.00}. I have now received the XXXX bill and it is for {$6.00}. That is the original {$2.00} fee plus another {$2.00} fee plus a late fee of {$2.00}. I called Comenity Bank customer service AGAIN and asked to speak to a supervisor. I was told there were none available and they didn't know when they would be available and I would have to keep calling back as the customer service representatives are not authorized to waive anything.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My issue is with comenity banks XXXX XXXX card. I have called and asked to pay the balance 4 times and they say I'm good and then they add a late fee on there to keep my account open, or they leave like XXXX dollars on there in hopes people will think they are good and then they hit you with late fees. I am sick to death of this and I want the problem gone. This is absurd at this point and I just want them to stop without hiring a lawyer. I've asked to speak to a manager or supervisor and they will not do it, they say they are having issues.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Since 2019 Comenity Bank has been attempting to collect alleged debts from me that have already been paid. My account with Comenity Bank ( Victorias Secret ) was approved and opened on XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Comenity Bank. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Comenity Bank has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Comenity Bank being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called and texted my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ) and unlawfully closed down usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ). Comenity Bank has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Comenity Bank by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a zeroed balance. Even though they have received my cease and desist notice they are still persistent with their texts and phone calls.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Credit Card has failed to issue reward points for 3 Billing Cycle. Initial called sometime in XXXX, and was told there was a system issue that would soon be corrected. Called Credit company again on XX/XX/2022, and told a system issue since XXXX has prevented rewards to be posted. I requested the points be posted to my Ultra reward account, as a accommodation pending the system fix. Was told they couldn't do it. I was Requested to submit client complaint, Credit Card company failed to take complaint and only provided a phone number to call which was not a complaint division for the Credit Card. The number was not for the credit company, but rather the Corporate Headquarters number foXXXX Ulta XXXX XXXXXXXX XXXX XXXX XXXX Payment XX/XX/2022 {$250.00} XX/XX/2022 {$310.00} XX/XX/2022 {$180.00} Card logo says XXXXUlta XXXX XXXXXXXX XXXX XXXX XXXX number XXXX
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A