Date Received: 2022-10-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a XXXX XXXX credit card account issued by XXXX XXXX Bank. I always pay my bill in full, And I went to make a XXXX dollar payment, well 3 day 's later it never showed up, so I did it again and it then showed I made the payment. When I did it the second time it never said I had a payment pending. Well anyway they hit my bank for a double payment. I have called them numerous times and get the run around saying it will be deposited, well it has been a week and no money. I feel that they are decieving the plublic, because when I made the first payment it should have said payment paid. But what get 's me is it never said that and 3 day 's later I made the payment again thinking it never went thru and did not want interest charges, I feel when I made the payment the second time, they should have said there is a payment pending for the said amount. They made my checking go into the negative and caused me harm and emotional distress. Well they could have made it better by saying we will put it back in right away. I am still waiting. XXXX XXXX
Company Response:
State: PA
Zip: 17013
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My wife 's business XXXX card was put in my name. I paid it off and asked COMENITY pay for XXXX and XXXX XXXX to close the accounts. My bureaus have been frozen for years but instead of making a hard inquiry and getting rejected they allowed my wife to use my social and income without my permission. I paid them in full filed disputes with XXXX, XXXX and XXXX XXXX and they still allowed her to reopen it. I wasn't present, my name and signature was forged and I told them but they still haven't closed it.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Comenity sold past accounts to XXXX and XXXX. I paid my debt as requested and provided a letter of deletion to XXXX and XXXX to which they agreed after communicating with Comenity. Comenity advised by phone that they would have the derogatory " closed '' accounts removed from all 3 companies. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX on multiple dates going back from 2019 to current. These have still not been removed from ALL reports. I'm demanding these be removed immediately. I've done everything as requested and I've found from others Comenity has done this to many people. I'm reporting the company to XXXX and CFPB for help before seeking the courts attention to this matter. These derogatory closures are preventing me from moving forward with my job, purchasing a home etc... Comenity and XXXX both knew in advance my wife was diagnosed with XXXX XXXX. She was unable to work, XXXX XXXX XXXX XXXX XXXX and I was taking care of keeping up with the household bills, medical, medication and kids. This is why they agreed to remove completely since I paid off per the judgement ordered. When these lines of credit were obtained our income could afford the monthly bills. Unfortunately, we didn't think XXXX would hit a XXXX XXXX XXXX woman without any signs or notice. I simply want to move forward and I've gotten my hopes up only to be failed over and over again. This isn't a good light for comenity and how they treat their customer and failure to keep their promise when the customer has done everything asked. Please remove the below accounts from my credit reports. The below accounts need to be removed immediately. Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity Bank/XXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX XXXX XXXX and XXXX XXXX XXXX ) Comenity BankXXXX XXXX, XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity Bank/XXXX- XXXX, XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX
Company Response:
State: TX
Zip: 76148
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: I have spent countless hours on the phone and online attempting to make payments on my multiple Comenity Bank credit cards. Problem never gets resolved.
Company Response:
State: VA
Zip: 227XX
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 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 went to XXXX in XXXX, 2022. I charged meals on my BJ credit card. I was offered to apply for special things through XXXX. I got an email saying I was chosen. I never heard any information about a {$700.00} charge. I had already purchased meals for the return flight. I never authorized {$700.00} to go on that credit card. That was almost the price of my entire trip. I made a claim to BJs. I found out after the fact that they closed out my claim twice. I kept asking for a reason that my claim was closed. I cant tell you all the ways I tried to get a response but never did. The credit card company sends me irrelevant letters. I never authorized this charge and the charge itself is ridiculous. BJs has been horrible. Im leveling a complaint.
Company Response:
State: MA
Zip: 011XX
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: The bank has denied me an account. I meet their published eligibility requirements -- I am over 18, I am a U.S. citizen living in the U.S., I have a social security number, and I have a physical U.S. address. In addition, the bank from which I intend to transfer funds into my Bread Financial account is a major banking institution ( XXXX XXXX ), and has verified that they have shared my account information with Bread. I have spoken with employees of Bread at least seven times to resolve this, and have been told there are hidden eligibility requirements not reflected on Bread 's website, and that I must not have qualified in every way, otherwise the account would have been opened and my funds transferred in. They have further told me that I will never be told the reason. I have never been denied the opening of a bank account in my life. I must deduce that this is either due to a computerized glitch, or that I am being discriminated against in an unethical illegal manner. I demand to know the reason that Bread Financial has denied me an account. I have complained, and escalated the complaint, and have received no communication of any kind from Bread Financial to resolve this.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: A payment was sent to Comenity Bank for the full amount of the monthly balance due on XX/XX/2022, but they did not apply it to my account. I had it disputed with XXXX bank ( See attached letter and outcome ). I made the full payment after they returned it to my bank account. Since then, they have charged me interest for XXXX months ( the second month on a ZERO balance ). I have disputed it with them beginning XX/XX/2022, been on the phone and writing in the message center- which is the ONLY way they accept written and documentation, but I have yet to get this straightened out after 2+ months of hours and hours, and days and days - speaking with multiple representatives of this company. They are fully aware that after they did a system update in XX/XX/2022, they have had multiple, and serious problems with their system - which still continues as of this writing and have not responded positively to me, or offered any recompense.
Company Response:
State: NJ
Zip: 085XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ulta/Commenity capital bank make fraudulent charges, fees and interest to my account after Ive made multiple final payments over the phone, last payment made XXXX XXXX to clear the account and even received a confirmation number and was told I would get a receipt in the mail. I received an even bigger statement in the mail without my payments being applied. The payments were never applied or cleared and I asked the supervisor to go back through the recorded calls on that day but they refused and are charging me even more money and refused to solve the issue. I was told my account would be cleared and closed and it is unusable, but they still make expensive charges to it without my knowledge since the phone call.
Company Response:
State: CA
Zip: 92563
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022 I opened a David 's Bridal Credit Card to pay for my wedding dress purchase. The purchase amount on the card was {$1400.00}. According to the terms I read on the screen there and were later provided to me ( picture included ) this purchase would qualify my for their 12 month Deferred Interest, Payment Required plan. This was in line with my financial goals so I proceeded with opening the card. Their disclosed promotional plan is tiered as follows : All Purchases - 6 month Deferred Interest, Payment Required Purchases of {$800.00} or more - 12 month Deferred Interest, Payment Required for both plans all interest will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in fill within the promotional period. Upon receiving my first statement ( which I received AFTER my first due date ) the statement says that I only have a 6 month Deferred Interest, Payment Required plan. I submitted a written request for review on XX/XX/2022 explaining the terms given, the disclosure I have provided by the bank, and requesting it be corrected to offer the full 12 month Deferred Interest period. On XX/XX/2022 I received a message back asking me to please call the billing number on my statement for resolution. On XX/XX/2022 I called the billing number and spoke with a representative who told me they do not offer a 12 month program and that the sales representative at the store was mistaken and I would need to speak with the store, not the bank. I explained to her that I have paperwork from the bank that includes the 12 month program so it was not a store specific problem. She continued to tell me that I was wrong and that they do not and will not offer such program. Finally she told me that I could mail the documents I'm referencing ( my account opening disclosures ) to them and someone would review them. As of today ( XX/XX/2022 ) I have not heard back from them. Most recently, I was at the same store that I purchased my gown and attempted to pay with my David 's Bridal Credit Card and was told that David 's Bridal no longer accepts the David 's Bridal Credit Card, as of XX/XX/2022. I have yet to verify if that's true of all locations or just the store I visited. Since this is a store specific card, I find it confusing that stores would not accept the card, especially because David 's Bridal is not a franchise. I'm very frustrated that I opened a credit card I can no longer use, which will inevitably need to be closed for lack of use ( by either myself or the bank ) and have a material impact to my credit score. The fact that 3 months after opening my card, the stores stop accepting it leads me to believe it was known that they would no longer accept this store card, but proceeded to open the account anyway. It was all in all very misleading. As I am quickly closing in on the date where interest will be charged ( XX/XX/2022 per my statement ), I am seeking prompt resolution to this matter.
Company Response:
State: NJ
Zip: 083XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Since XXXXXXXX XXXX XXXX this account with XXXX XXXX XXXX XXXX XXXX XXXX has been paid off. I was charged additional interest because they were having system upgrades that went haywire. No reporting to the credit bureau, no answers, deceptive answers and lies about reporting. I monitor my credit closely and this is awful and it is hurting my credit utilization. I did my part, paid the bill, they should report accurately.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A