Date Received: 2022-10-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Theyve called me more than 4 times daily or every time Im on my phone they call. Whenever Im on social media they call me as if theyre stalking me.
Company Response:
State: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Numerous times I have contacted Comenity to get assistance in restoring my online access as I have been locked out. All the agents do is send me a generic link to the main page and tell me to log into my accountas if I havent already done that twenty times before. Its been two months of me attempting to contact them to restore my access and all I get is the run around. Now I have no access to my statements and keep getting late fees.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My balance on my commenity credit card from Lane Bryant had a balance of around {$290.00} that needed to be paid. I went online and selected to pay the whole amount off in one time in XXXX of 2022. Somehow they did not take {$2.00} off of my account and didnt try to contact me until around XXXX. My account is now up to a {$84.00} balance that I supposedly owe. The first time I called I stayed on the phone for almost an hour and the man told me he had fixed the problem and that I would not have to pay any of the fees after he took the {$2.00} off of my account. After the money was taken off of my debit card the credit card was supposed to be canceled. There is still a balance of {$84.00} and still growing because they will not take the fees off. I have called them 4 times and every time I get told that they are going to fix the problem they hang up on me. Ive tried getting help from the company, but they are not interested and would rather hang up and keep charging me late fees.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. Comenity bank has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : Comenity Bank/Victoria Secret- Acct XXXX - XXXX Comenity BankXXXX XXXX- Acct XXXX XXXX XXXX Comenity BankXXXX- Acct # - XXXX Comenity Bank/JCREW-Acct # - XXXX Comenity Bank/ NY & CO.- Acct XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/22 I did a balnce transfer from Comentiy Bank to XXXX XXXX for the amount of {$3000.00}. XXXX XXXX has never recieved the funds. I have made several attempts in cotcting both parties. On XX/XX/22 i recieved a phone call from Comenity Bank stating my funds wher sent to XXXX XXXX by mistake and i should contact them. After severla calls to XXXX XXXX no funds were found.
Company Response:
State: ND
Zip: 58102
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have tried fixing this issue with all three bureaus as account is stating incorrectly. I do not recall having this account. Therefore, I have requested to verify or delete. Account is stating open by XXXX XXXX while collection with XXXX and XXXX there is no way account can be both open and in collection at the same time. Account was previously stating date open as XXXX by XXXX and XXXX currently is stating as XXXX by all three bureaus. Payment history reported nothing were now XXXX is reporting CO as if it was some payment method on a dead account. Date last reported stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX currently reporting XXXX by XXXX XXXX and XXXX by XXXX. XXXX has deleted the day last reported. Previous date last active stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX by XXXX currently stating as XXXX by XXXX XXXX and XXXX while XXXX reports XXXX. Account is being re-age pushing back the date it should fall off that is not acceptable there is no way account can be all of the above open while in collection and reporting inaccurate dates when information is coming from the same furniture data.
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/22, I made a purchase for {$9500.00} on my XXXX Credit Card pursuant to a promotion that offered no interest payments for a 12 month period and a waiver of tax with a newly opened credit card. I was induced to open the store credit card solely based on this promotion. At the time, there were also additional benefits for selecting online billing. On XX/XX/22, a finance charge of {$62.00} was assessed arbitrarily and without explanation. Then, on XX/XX/22, the first interest charge on purchases was assessed for {$100.00}. Subsequently, an interest charge of {$230.00} was assessed on XX/XX/22, as well as an interest charge of {$210.00} on XX/XX/22. I have called Commenity Bank and spoke to XXXX, XXXX and XXXX respectively, to dispute the finance and interest charges to no avail. XXXX advised that they do not accept disputes on these charges after a 60 day period. I advised that I am unable to open any PDF statements on their site, as the online statements are not accessible in any form. The only reason that I was alerted to these charges was pursuant to a separate dispute wherein the representative made me aware. I would like Commenity Capital Bank to comply with the 12 month interest free promotion that induced the purchase. Had the promotion not been advanced, I would have purchased the items utilizing a different method. I feel that XXXX XXXX XXXX and Commenity Capital Bank misrepresented the promotion.
Company Response:
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account was paid off XX/XX/2022 it was sent electronically from my bank they didnt post it until after the due date and I was charged a late fee in XXXX i called and paid the extra interese charge I checked my credit report today and still shows the full amount open I made a disbute with XXXX yesterday I have been on the phone to speak with for 2 hours still waiting. Come its XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There were multiple accounts opened back in XXXX of 2016 under my name and information, that I NEVER opened myself for some place called XXXX, and for XXXX XXXX. Ive contacted this company in the XXXX and they said they would be sending over their response but its going on a week almost two, of not receiving said documents.they are reporting these two accounts on my credit reports which show negative payment history, which is destroying my credit. These accounts are fraudulent and need to be immediately and permanently deleted from my credit reports ( XXXX, XXXX, XXXX ) and just as an added proof of my claims, I will be providing an Identity Theft Affidavit detailing my claims further.
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The credit card XXXX XXXX financed by comenity bank I purchased a piece of Jewelry from XXXX XXXX, they advertised a 12 month interest promotional financing. The purchase amount was {$3700.00}, my first payment was due on XX/XX/XXXX. I signed for paperless statements, I made all payments before the due date each months, my payments ranged between {$250.00} and {$350.00}. The last payment I made was on XX/XX/XXXX of {$250.00} the balance after this payment is {$160.00}, which I scheduled on line. I was thinking my promotional interest free account ends XXXX XXXX On XX/XX/XXXX they charged me {$600.00}. They said the last statement reflected that the promotion is over early XXXX. THE LAST STATEMENT AVILABLE ONLINE WAS ON XX/XX/XXXX. They did not provide a statement for XXXX or XXXX. I tried to talk to them they said it's my fault I did not call to get the XXXX or XXXX statement and they will not wave the interest which the charged on the full balance. Can I get help with this?
Company Response:
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A