Date Received: 2022-10-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I wanted to pay off the balance on a loan, XXXX Comenity XXXX XXXX XXXX XXXX, that was provided to me by a XXXX XXXX company through Comenity Capital Bank. I had the account initially set up to pay the minimum balance due monthly. My payments were auto-deducted each month for approximately two years, on time. On XX/XX/22 I called to pay off the balance in full. On the phone I was asked by the Comenity bank representative how I wanted to pay off the remainder of the balance. I said the same account that was being used to make my monthly auto payments. The bank representative said that it had been paid off prior to us ending the call. A month later I received a statement from Comenity showing {$2700.00} being deducted and then reapplied on the same day ( XX/XX/22 ) and a fee of {$25.00} for a return check fee, and an auto-payment of {$100.00} on XX/XX/22 and interest for the period XX/XX/22 to XX/XX/22 of {$64.00}. I contacted my Credit Union, XXXX XXXX XXXX XXXX and asked them what happened with this transaction. They researched and determined that COMENITY used incorrect numbers for my account while trying to pay off the balance. I do not see how they could make this mistake as they had my information and had been debiting my XXXX account for the past two years. I called them immediately after I spoke with XXXX and paid the balance off at that time, but did not pay the return check fee of {$25.00} or the accrued interest of {$64.00} since this was Comenity 's fault for processing the transaction incorrectly. I asked Comenity for those charges to be reversed but paid the remainder due on the account in an amount of {$2500.00}. They still have not reversed those charges and are instead accruing interest on this amount each month. I have since went to my Credit Union and they provided, in writing, a letter attesting to the fact that there was an attempt by Comenity to withdraw {$2700.00}, with an effective date of XX/XX/22, but it was denied as the account number Comenity entered was not correct ( and was not the one that Comenity had been using for the monthly auto-deduction ). I am attaching the letter from XXXX XXXX XXXX XXXX to support my claim of Comenity 's negligence.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I know Comenity Bank updated their system a few months ago and it caused many errors on their website. They closed my J.Crew credit card three times : XXXX, XXXX, and XXXX. I am concerned because it will affect my credit score. It got to STOP.
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
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 purchased an item from XXXX for a total of {$8.00} in XX/XX/XXXX. I made sure to set up auto pay at that time. My automatic payment was removed without my knowledge and authorization. I did not receive a notification that my payment was late until XX/XX/XXXX and I was charged numerous late fees and interest fees for a total of {$86.00} before I was even notified. I called XXXX on XX/XX/XXXX to resolve this issue and was told that if I paid {$36.00}, they would waive the rest of the late fees and interest. I agreed and authorized a payment of {$36.00} on XX/XX/XXXX to clear my balance. I received an email on XX/XX/XXXX that I had a payment of {$35.00} due on XX/XX/XXXX. My account shows they have not waived the late fees and actually charged me another late fee of {$40.00} and I now owe a total of {$85.00}. My XXXX XXXX has also been severely impacted by this.
Company Response:
State: OK
Zip: 73170
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I paid off this company via phone call stating if I pay this balance will they take it off my report they said yes. It is still on my credit report
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Lane Bryant retail account through comenity bank has not updated correct balance in over 5 months. Our balance has been XXXX for several months and but is still being reported a balance of XXXX. Requests to have the balance accurately reflected as a XXXX balance have not been responded to. Response is they are in process of changing over their systems - however 5 months of inaccurate reporting of balance is beyond a reasonable expectation. When calling customer service, you reach someone out of the country, who says it will be another XXXX billing cycles which would be a total of XXXX inaccurate reporting.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the FAIR CREDIT REPORTING ACT and XXXX account XXXX said to be opened on XX/XX/2018, both parties have violated my rights. 15 USC 1681 section 602 A - States I have rights to my privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 166b states s creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I contacted Comenity bank at XXXX on XX/XX/XXXX advising I was being charged interest when it was supposed to be a promotional period. Comenity took over from XXXX for the XXXX extra points card in XX/XX/2022 and I have had nothing but problems since they took over the account. There was supposed to be a promotional period for each box office transaction for tickets for the XXXX over {$250.00} for six months no interest ( please see attached photograph from the website ). The bank has not held true to the published statement, nor have they responded to my complaint filed on XX/XX/XXXX. I was advised on the call on XX/XX/XXXX that the interest that was charged in error would be removed and the promotional period would be in stated. Neither of these actions has taken place, in fact you will see where the XXXX XXXX and XXXX statements all show interest being charged even though I have complied with the requirements for the promotional period. I called Comenity again on XX/XX/XXXX and was advised that nothing has been done with a complaint, they have 60 to 90 days to respond to that complaint, and I just need to be patient. I advised them that it had been 60 days at that point and I still have no resolution nor have I received any correspondence from them with the exception of my statements. I would like all of the incorrectly charged interest payments to be removed from my account and all balances that should be applied to the promotional accounts applied correctly. My call reference from XX/XX/XXXX call when I spoke to XXXX is XXXX, and in that conversation I advised I would file a complaint if I did not hear anything back from them by Friday, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have tried twice to make a purchase on XXXX with a Bread XXXX XXXX XXXX card. The first time it was denied and I was told that they thought it was a fraud and it will be fixed. It happened again the next day when it was denied after being told that the problem has been solved. I called them asking why it has been denied since they issued this credit card to me. They are asking me to send them a copy of my social security card, my driver 's license, and a bill with my mailing address. I will not send them a copy of my social security card since I feel there is no need for them to have it. They are saying that after issuing this card and lowering my credit score that after I send them this information they will let me know in 30 days if I should get credit. If they aren't sure about if I should get credit or not, why did they issue a card in the first place? Since they said at the beginning of the call that it is monitored and recorded for quality assurance they should have a record of this.
Company Response:
State: MD
Zip: 20653
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've received two hard inquiries from COMENITYCAPITALXXXX that are less than 30 days apart. I've tried calling them multiple times, but every time I do, either no one picks up, or I receive the message that my information isn't in their database.
Company Response:
State: OH
Zip: 45215
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A