Date Received: 2022-10-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A fraudulent account was applied for in my name and an inquiry was submitted to my credit report. The company when called was unable to help and I also did not feel safe giving an individual information due to there being a credit fraud alert on my account. The company is : Alliance Data XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX They would not assist me. I need this credit inquiry taken off my credit report as well as any cards issued closed as I am not responsible for transactions for this as this was fraud.
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The company offers XXXX interest financing for certain purchases based on the amount of the purchase. The length of the promotional balance depends on the amount. I had XXXX separate purchases charged on the account ; 1 purchase has a XXXX interest promotional balance for 6 months and the other for 24 months. The monthly payments I have been making were being applied to both balances instead of paying down the promotional balance that was set to expire first. I have another store credit card and that is how they apply their payments. I feel that applying a large percentage of my payments to the balance that's not set to expire until 2024 is an unfair practice.
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Im having problems paying my credit card with Comenity, now they are charging me late fees, even though they promised me I wont be having any. I have been calling them for weeks and no answers. My payment is {$100.00} dollars a month now is {$200.00}
Company Response:
State: NJ
Zip: 08857
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX card through Comenity and the sole reason for having the card is for rewards. They had issues 3 months ago with their website being down and cards not being able to be used. Now, I have not received any rewards for over 3 months ( last date was XX/XX/2022 ). The sole purpose of having this car dis for the rewards and they are not delivering for a ridiculous, extended amount of time. Many people are having the issue with their vast array of cards getting rewards, a simple XXXX search shows this frustration.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased an engagement ring through XXXX on XX/XX/XXXX. This was financed through Comenity Bank through their partnership with XXXX. It was setup as an 18-month interested-free loan of {$7000.00} via a Comenity credit card. My plan was setup so that paying the minimum balance each month would result in completing all payments by completion of the 18-month time frame. The {$390.00} being paid each month would amount to over {$7000.00} after 18 months. I was never sent an actual credit card tied to this account and all my paperwork referenced only the last 4 digits of my account number, resulting in even to this day, I have never been provided with my account number. Ive asked for it over the phone with customer service, and theyve consistently told me that it was against their policy to give out account numbers over the phone, even though I had provided all other identifying information for myself. For these reasons, Ive never been able to set up an online account for account management, and Ive made every payment through Comenitys automated phone service. In XXXX of XXXX, I returned to XXXX to purchase a wedding ring to match the engagement ring. When going through this process, I brought up my worries about messing up my Comenity payments. I asked if I could have it done through a second account, and it was recommended to me by XXXX employees to keep it on the same account. I expressed further concerns about my desire to make sure that my initial 18-month financing of the engagement ring would not be interrupted by this additional purchase, and I was reassured on multiple occasions that I had nothing to worry about and that my initial 18-month financing would be paid off by XXXX, and I could focus on the remainder for just the wedding ring. On XX/XX/XXXX at XXXX EST, I dialed into the pay-by-phone line, as I have in each month prior, and made my payment. The automated service relayed my current balance to me, which was much higher than I was expecting it to be. I used the automated service to recount the last 10 transactions on the card, which revealed a Finance Charge of {$2200.00} added to my account balance. To investigate this charge further, I re-dialed into the pay-by-phone line on XX/XX/XXXX at XXXX EST in attempt to speak to a customer service representative. The customer service representative informed me that the Finance Charge of {$2200.00} was added due to outstanding balance on my 18-month plan. I discussed how I had made each payment that was expected of me, and that I really did not understand how I could be charged {$2200.00}, which my plan from the beginning was set up to be paid off in time, and I had made all of these payments. The customer service representative repeatedly informed me that there was nothing he could do, and that it was automatically added to my account balance. I asked to speak to a supervisor and proceeded to speak to a senior customer service representative. The senior customer service representative took a look at my account and relayed similar information regarding the fact there was absolutely nothing they could do and that I would just have to pay the {$2200.00}. At this point, I asked to speak to a 2nd level supervisor. This supervisor looked through my account as well. She confirmed that I had made all my payments and that these were made through the automated pay-by-phone service. She admitted that I had made each of the payments, as they were expected of me, but again, there was nothing that she could do and that Comenitys policy prevented them from removing any Finance Charges from an account. She informed me that these was information on my bill, however I have not received bills from Comenity for the last 2-3 months. Yet Ive continued to pay my payments through phone. During this conversation, my frustration has been building, and I am finally offered my only possible path forward, which is to write a letter of dispute. The supervisor also informed me that she knew the dispute would be dismissed and indicated that it wouldnt be worth my time. Regardless, she provided me with information to initiate a dispute. From XX/XX/XXXX to XX/XX/XXXX, I made payments to Comenity totaling {$7500.00} ( see below ). This has well surpassed the initial 18-month loan I was provided. Furthermore, I was reassured countless times during this period that as I proceeded to make my payments, that they would complete my 18-month payments at the correct time. It seems as if, contrary to what was disclosed to me, the purchase of the wedding ring in XXXX of XXXX caused larger portions of my payments to go towards the second purchase, and not the original 18-month loan. I have always been diligent about making payments and I am not in any kind of position where I am not able to make my payments. I believe this Finance Charge of {$2200.00} on XX/XX/XXXX should have never been applied to my balance. I am requesting that the {$2200.00} charge applied on XX/XX/XXXX be removed from my balance. Through XX/XX/XXXX, I have paid over {$7500.00}, exceeding the initial XXXX loan amount of {$7000.00}. I expressed to the customer service representative that I would be willing to pay off the remainder of my balance if this {$2200.00} could be removed. Throughout this process, I have had fantastic service from the employees at XXXX. Id like to come out of this process with the ability to confidently recommend to all my friends and family to use XXXX and Comenity Bank for their jewelry needs. Up to this point, Comenity has not provided basic essentials to my payment process, such as my account number, a physical credit card, access to online account management, and any positive quality of customer service, yet I have still been sure to make my payments. My wedding is this upcoming weekend, and this is an unwelcome stress that has been physically taxing on me. Please refer to my information at the top of this letter to review my account, as I still to this day have not been provided my full account number for my Comenity account. Please reach out by phone or email if possible, as my last 2 bills from Comenity never arrived, and I no longer your mail correspondence will be received.
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXXXXXX 2022 paid down credit card still hasnt reported since XXXX 2022
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Comenity bank, part of XXXX XXXX, has confirmed and acknowledged they have been unable to produce a customer statement for over two months due to a planned system update taking longer than expected. It has been over 2 months since this has been resolved, which by any means is longer than " temporary ''. Their inability to produce a formal statement in XX/XX/2022, and XX/XX/2022 to present any balances owed, fees, interest, etc. is unacceptable. I have attempted to reach out to the bank multiple times to obtain amounts and copies however, they only provide the below " canned '' response : From : Comenity Bank Sent : Tuesday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Statements Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. Please accept our apologies for any inconvenience you've experienced. Our website had been temporarily down due to a planned system update that had taken longer than expected to restore. You may not be able to review your recently generated statement on our website. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I'm not receiving updated statements. The last viewable statement is from XXXX. Where are XXXX and XXXX?
Company Response:
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been getting harrased by Comenity bank because they alleged I havent made my payments. They have charged me multiple late fees and have been charging me fees for not paying my credit card. Which is absolutely false They have not been posting my payments for the past XXXX payments I have made of $ XXXX, $ XXXX, $ XXXX, $ XXXX they have not applied those payments at all to my credit card and due to that I have been charged late fees and keep getting call to make a payment. I called and they said they can see my payments and will make a note to fix it however they have not fix it and its affecting me because I have to keep making payments and I keep getting call to pay when I already did. I have called multiple times and ask to speak to a supervisor they do not transfer me, I'm very concern because this can affect my XXXX XXXX I have statements from my bank that show that those amounts have been withdrawal by them. I'm really scared I really need help its really stressful to go through this when I'm making my payment but I keep getting call that I dont and that there is multiple late fees.
Company Response:
State: CO
Zip: 80010
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A