Date Received: 2022-10-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My NFL Extra Points Visa credit card with Comenity Capital Bank features an advertised benefit of 0 % interest of purchases over {$250.00} to pay for XXXX tickets, which is clearly stated in the terms and conditions of the cardmember agreement. My season tickets with the XXXX XXXX are eligible transactions under those terms and conditions and were charged to my card in 4 equal monthly installments ( @ {$2500.00} each in XXXX, XXXX, XXXX, and XXXX. ) Only the first transaction ( in XXXX ) was placed in the 0 % promotion correctly. The subsequent transactions were treated as normal transactions and have been accruing regular interest. I reported this issue after receiving my XXXX statement when the 2nd of the 4 transactions ( made on XX/XX/22 ) was not reflected on my statement as being in the promotion. I was told a dispute would be opened and resolved within 90 days. I never received any acknowledgment the dispute was opened. On XX/XX/22 ( beyond the 90 timeframe ) I called again to check the status as I received no communication as to the resolution of the dispute. I was told it was " never worked '' and that a new dispute would need to be opened. I again have received no acknowledgment of a dispute or been contacted about it, to date. For the last 6 months I have had to manually calculate my true balance owed and pay that amount each month by paying my entire monthly statement balance minus the transactions that should be on the promotion. Each month the interest is continuing to accrue and compound. This has also resulted in Comenity mis-reporting my account status to the Credit Bureaus with a monthly revolving balance when in actuality I have been paying off every transaction made that month in full. This is now negatively affecting my credit score. Transaction Details : XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was correctly treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] As of today, after my most recent statement closing date of XX/XX/22, I have been incorrectly charged {$1200.00} in interest. In addition, those same 3 transactions that were not correctly treated as promotional balance transactions also were not given the advertised 3x rewards points that XXXX team purchases are eligible for, as outlined in the terms and conditions of the cardmember agreement. They each received only XXXX in rewards points instead of the correct XXXX they each should receive. That is a difference of XXXX reward points that are due.
Company Response:
State: DE
Zip: 19720
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX XXXX XXXX has had an ongoing problem with their rewards program. I have made XXXX calls and send XXXX emails since XXXX. On the XXXX call I was assured the rewards would be available the next time I shopped at XXXX 'S. That did not happen. The next call I was told the problem would be resolved by the end of XXXX. I have shopped XXXX since the end of XXXX and have yet to be able to redeem my rewards. The emails seem to be answered by a robo answer. I tried to call last week and hung up after being on hold for XXXX XXXX XXXX XXXX XXXX When I look at my account on line, I see that I am entitled to {$90.00}. I need to get that money. It is my money as promised by my agreement when I got the credit card.
Company Response:
State: MD
Zip: 21234
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: 2022-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX credit card has not updated since XX/XX/2022 on credit report. They switched from Comenity to Bread Financial around that time. Ive sent in complaints to the company multiple times and they just say they cant help me at this time. XXXX says they cant help. Im in the process of buying a home and its showing Im using 13 % of my Balance when its been paid off since XX/XX/2022. I dont want to close the card but I do want them to accurately report it and update it monthly.
Company Response:
State: MD
Zip: 21234
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: 2022-10-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I open a credit account with Comenity Capital Bank ( XXXX ) in XX/XX/2019 with initial credit limit of {$5000.00}. During this time, I charged approximately {$1200.00} on card and have made my payments on time via XXXX every month. About a year ago when Covid hit, my household income took a significate reduction which impacted my ability to pay my bills on time as a result reduced my credit score. Based on my reduced credit score Comenity bank reduced my credit limit from {$5000.00} to the current outstand balance of {$1200.00} which as a resulted reduced my credit score even more due to my credit utilization increasing. Even after this, I continued to make on time payments via XXXX A few months later, I received another notice my credit limit was reduced again to the outstanding balance of {$850.00} which again impacted by credit score. This time I reached out to Comenity bank and requested they stop reducing my credit limit as it is impacting my credit score and reminded them, I have never missed a payment. They gave a generic response quoting company policy. Despite their response, I continue to make my payments on time via XXXX Yesterday I get another notice that my credit limit has been reduced again to {$550.00} ( my current balance ) and again my credit utilization goes up and credit score goes down. In less than 16 months, my credit limit has gone from {$5000.00} to {$550.00} even though I have never missed a payment or tried to use my card. My account remains on XXXX and aside from being maxed out it is in good standing.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: In XXXX we received a letter from XXXX XXXXXXXX XXXX informing us ( not asking ) that they were discontinuing their affiliation with XXXX XXXX XXXX card and " sending " our XXXX XXXX card to a new bank. Comenity Bank. The new card form Comenity was promised to arrive by XX/XX/XXXX because the XXXX XXXX XXXXXXXX card would no longer work as of XX/XX/XXXX. It did not arrive by either date NOR by XX/XX/XXXX when I returned home having been away without either card. Not only that but we no longer have ANY access to the account we had with XXXX XXXX XXXX including statements, history or other. The running balance we had was to be transferred to the new card and we would pay that bill when it arrived. On XX/XX/XXXX I called since the card was not here now 5 days past promised date and was told they would send it by mail 7-10 days. That could well put it past my due date for payment since I will have a balance SO I demanded it be sent by XXXX or XXXX for faster service since they left me with NO card. I was told I would have it in 24-48 hours. I have also used the chat feature on their website with no success since they want an account number. It is now XX/XX/XXXX NO CARD! I can not create an account to pay my bill and cancel the card because I HAVE NO CARD! We are worried about your good credit history and how this will ruin it. We're also worried about fraudulent activity, missing payments and being stuck without access to credit and this account. And where pray tell is the FIRST card they say they sent. ... lost in the mail with the ability for someone else to use it? Did they not send it?. I can't even check to see if there is fraud because again I HAVE NO CARD or account number. In my call of XX/XX/XXXX I asked for an account number so I could create an account and was told they could not do that.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX Comenity Bank XXXX Acct @ XXXX Called my Spouse. Number was not used to sign up for account. They disclosed they were calling for a debt with amount owed. From XXXX XXXX for Comenity Bank. They did this on two occasions after I called and notified them of the third party disclosure.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: COMENITY BANK/NY & CO stated that they would remove this negative account/information once paid in full. This account was paid in full in 2015. This debt is CURRENTLY being listed as CHARGED-OFF debt, when in fact it should state " PAID OFF '' debt.
Company Response:
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have excellent credit. I have few Credit cards. One was XXXX XXXX XXXX through Comenity Bank of Ohio. I used the card for member benefit only and would pay it in it's entirety after each use. Back in XXXX ( I believe ) I ordered some things and made a phone payment that was a day or two late. I did automation and it did not tell me the payment was late. Months later I started getting phone calls and a few emails from Comenity Bank. I honestly thought this was a scam as I was getting a lot during the pandemic. I finally answer to get them to stop and I find out that I was being charged late fees and interest from that late phone payment. I got them to waive one month 's fees due to my good credit standing but they couldn't let it go completely. Since it was my fault for paying late from the beginning I decided to pay what was left and close the account due to Comenity Credit practices and I told Victoria 's Secret about this as well. On XX/XX/2022 I paid Comenity Bank, by phone, XXXX of interest and late fees without a purchase balance and closed the account. Well it has started all over again. The emails, the phone harassment, and I have no idea what the heck they are saying. The account is closed and they are talking interest and late fee 's AGAIN from what I can understand due to their language barrier. Please shut this bank down. Their thieves.
Company Response:
State: TN
Zip: 38583
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
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 have been with BJ 's Comenity Bank Card since XXXX. I am listed a having positive activity never late always paid in full no matter how high the balance. On XX/XX/XXXX I placed a special order with XXXX XXXX using the Bj 's Comenity Card in order to place the order with an approximate delivery date in XX/XX/XXXX. In the interim there had been fraud on this card. I reported it to Comenity Bank and they issued a new card with a new number. I had an issue with Comenity and wound up closing this account as well. The last transaction on the new card was XX/XX/XXXX. Both accounts were paid in full and both accounts were closed. I now called XXXX XXXX to give them a different credit card company to use for when my order was to be processed. I then receive a statement from Comenity on the new account which was closed with a posting date of XX/XX/XXXX for a purchase mount {$2300.00}. I still had not received the order and this was put through on a closed account. I contacted XXXX XXXX and was told there was a mix up and they used the Comenity Card instead of the new card I had provided. I canceled the order with XXXX XXXX and they issued 2 credits XX/XX/XXXX {$2100.00} and XX/XX/XXXX {$260.00} = {$2300.00} Credits applied to original Comenity account the only card XXXX XXXX had on file. I then called Comenity and was told they would put in a dispute. I asked how could they let a charge go through on a closed account and was told they had the right since the card was used as a hold back in XXXX. I informed them about the credits as they said they would look into it. The credits were uploaded to Comenitys secure website. Everytime I called I spoke wit someone different and my confirmation was always the dates I called ; with no results. I asked how is it that you can find the latest account which I never gave to XXXX XXXX to bill me and now you can't find the original account to credit me since I was told both accounts were linked. I am receiving statements with late fees and interest and harassing phone calls to my cell and home number.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX Comenity bank provided a letter stating the balance was paid down. XX/XX/XXXX Customer inquired about credit reporting XX/XX/XXXX XXXXomenity replied that credit reporting was done every 30 days and told me to wait 45 days XX/XX/XXXX Balance paid off completely XX/XX/XXXX Reviewed credit report through the home buying process and because Comenity has not updated the account I am unable to qualify for down-payment assistance for XXXX here in the state of Florida. Spoke with Comenity at XXXX this evening and was told they would generate another letter showing that the account was paid off, but had no estimated time for when credit reporting would be updated. Asked for a supervisor and the agent restated there was nothing that could be done even after four months of waiting.
Company Response:
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A