Date Received: 2022-10-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Called 5 times within 1 min, would let it ring once then hang up and call again immediately. Even though I had just sent the minimum payment over the phone via automated service 2 hours prior to the repetitious calls.
Company Response:
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have disputed this account multiple times with all 3 Credit Bureaus This account was opened on XX/XX/XXXX and Requested to be closed and paid in full XX/XX/XXXX since then the credited has been charging me late fees every month. I spoke to XXXX on XX/XX/XXXX he states a late fee was put on the account in the amount of XXXX on XX/XX/XXXX on XX/XX/XXXX I paid XXXX and requested the account be paid in full because that was not the first month they tried charging me a late fee charge. On XX/XX/XXXX there was a credit of XXXX to the account that was to show paid in full per the lady on the phone. The computer system reviewed the credit that was given to me and took the credit back that was given to me. Now over the last year I have been charge nothing but late fees every month on a account requested to be paid in full. This is the only account that shows I have a XXXX, XXXX and 90 days late and the account is closed. I have requested a Itemized Bill numerous times by the company who refuses to provide me with it because there are no charges just late charges they continue to charge me even though the account was requested to be closed and paid in full that day. It shows on XXXX XXXX that it is a charge off account which is not accurate and that I owe XXXX which I don't because this account was paid in full when requested to be closed that day on the phone. I am tired of asking this company to be honest and do the right thing this is fraud and affecting my credit that I have worked hard on as a single mother. I am a finance manager who pays my bills and this is a poor excuse of a company scamming people
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I see an inquiry on my credit reports from XXXX XX/XX/2022 from COMENITYCAPITAL/XX/XX/XXXX. I did not apply for any cards from XX/XX/XXXX and I believe this is a case of identity theft. I have since FROZEN my credit reports.
Company Response:
State: AK
Zip: 999XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2022 my BJ 's Commenity Bank XXXX XXXX charged me interest of {$100.00}. I have my card paid in full and automatically debited from my account, so an interest fee is not even possible. When I called to report the error the representative told me I would received something in the mail about my complaint to begin to resolve it. Nothing has come after waiting two months. Very frustrated and looking forward to the agency helping me get my money back. Thank you!
Company Response:
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX has the most apathetic customer service I have come across. They have 1+ hour hold times, and then when you finally get through to someone, they are rude and boorish and lacking any customer service skills or knowledge about their own bank systems. Their secure messaging team never responds even after sending multiple messages for the same request. These super sub-standard online banks are forming like mushrooms and harassing unsuspecting customers. I came to know that they had put a restriction on my account when an outbound transfer from an external bank was declined. They did not bother to notify me in any way. So, I called Bread and they told me to send certain documents which I did. I messaged them multiple times after it. No one responded. Today, when I call back 4 days after sending the document, an extremely rude female called Virginia was asking me whether I had sent the documents. I was surprised that no one had even looked at them. When I started questioning her, she hung up. This bank / service or what ever this is, should be closed down.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: {$300.00} payments made and posted to old/closed account in XX/XX/2022 I have sent them the statement numerous times showing the credit on the closed account. Numerous calls to customer service with no results. they can not see the old account! I want the {$300.00} applied to the open account. I do not understand what is so difficut.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XX/XX/2022 DEAR CUSTOMER XXXX ABOUT XXXX : I AM XXXX XXXX XXXX THE XXXX REASON OF OPENING AND FILING A CPMPLAINT AGAINST BJ 'S CREDIT CARD CORPORATION IT'S FOR THE FOLLOWING REASONS ON THE MONTH OF XXXX 2022, THIS CORPORATION MISTAKENLY HAPPEN TO RECEIVE XXXX ELECTRONICALLY FULL PAYMENTS OF THE EQUAL AMOUNT OF {$170.00} FROM XXXX DIFFERENT BANKS INSTITUTIONS ON MY BEHALF TO COVER FINAL REMAINING BILL OF SRPTEMBER THAT WAS DUE ON THE XXXX OF THAT MONTH AS SOON AS I REALIZE WHAT HAS HAPPEN I DID REQUEST THE XXXX XXXX XXXX XXXX TO STOP THAT PAYMENT THAT I DIDN'T AUTHORIZE : THE CREDIT UNION DID COMPLY WITH MY REQUEST, HOWEVER TO MY SUPRISE I HAPPEN TO RECEIVE XXXX CREDIT CARD STATEMENT WIT
Company Response:
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Since late XXXX the XXXX XXXX Credit Card by Comenity hasn't provided any points conccurrent with purchases as advertised in their agreement. The company has said they aren't sure how they will fix the issue and the rewards company blames the bank while the rewards compnay points to the bank. This appears to be an issue impacting thousands of card holders. It has gone on so long with no clear answers that it appears to be quite fraudulent.
Company Response:
State: NY
Zip: 12208
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This problem is with the credit card for the store XXXX with comenity bank. In XX/XX/2022 I made my last payment for the amount that I owed which was {$100.00}. In this charge was including a late fee for the previous month. The payment was supposed to be made on XX/XX/XXXX ( because of inconsistencies with the bank and changes that they made, and I was never told, in which they told me that the payment was supposed to be made before XXXX and then XXXX and now XXXX ) The payment went through on the XXXX, and I was charged another late fee. For reasons that I was never told and because I never authorized as paperless statement, I never received a bill or email where I was told I had a debt with them. A couple of days I started to receive calls from the bank where when I responded, they hung up until I got through and they told me I owed them {$160.00}. All of this debt is because of late fees and interest. I called to try and solve this problem because I can not pay that total of late fees because of my economic situation. I would be ok with paying XXXX month 's worth of late fees, which I believe I should not have to pay since I already payed it when I payed the original debt. But I tried to come to an agreement with them, but they did not agree to that, which I believe is wrong because I believe that they are taking advantage of me because of my situation. From my understanding, late fees are only charged once and then interest fees are charged, not every month a late fee. I have reached out to you guys because I have already had problems with this bank because of extra charges and they are very difficult to come to an agreement with. I have reached out to you guys to see if we can come to an agreement as I am tired of paying late fees and interest because of irregularities with them. Thank you and have a great day!
Company Response:
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Recently I've made XXXX purchases at XXXX which were charged to a store card and managed by Comenity Bank. The initial purchase was on XX/XX/XXXX with a 1 year promotion ( no interest ). I made payments and there was no problem with payments reducing my balance due. On XX/XX/XXXX, I made a 2nd purchase, again on a 1 year promotion ( no interest ). Although I continued to exceed my monthly payment due each month, ALL of the payment started to be applied newest/XXXX balance with nothing doing towards the oldest debt. This was alarming because it will result in deferred interest charges coming due if not paid in full by end of XXXX. I called Comenity customer service a minimum of 4 times. Each time I was told there was recently a system upgrade, that tickets would be entered to remedy issues and that payments that exceeded the plan minimum on each promotion would go to the oldest balance. This did not/has not happened. Each month when the ticketing process did not remedy, I called back and was told that payment were going to be manually moved to oldest balance. After all of these months the oldest balance has not gone down ( as a matter of fact if has gone up ) and now I have an " URGENT '' message on my bill advising if I don't pay what is almost the original purchase amount, I will be charged interest. I can see on my account where " promotional plan transfers '' are taking place but they seem to be applying to the new account. I am very upset with the time it has taken for me to try to take care of this and worry how many other customers have been adversely impacted by XXXXComenity XXXX Once this is resolved and payments applied it is my intention to pay the entire remaining for the oldest balance as soon as possible to avoid payment the deferred interest.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A