Date Received: 2022-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I submitted to Comenity Bank certified mail number XXXX. On XX/XX/XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice. Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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: Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved
Company Response:
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: We have a BJs Wholesale Mastercard that is issued through Comenity Bank. We have carried a balance of around {$30000.00} for between XXXX to XXXX years. We have struggled to pay it down but have not had any success. On XX/XX/XXXX this year we were contacted via phone by Comenity bank trying to collect an overdue payment. During the call we inquired through the representative we were speaking with about possibly receiving some debt relief. I have had my income reduced significantly by the XXXX XXXX XXXX I work for. Though the representative was unable to accommodate our request for debt relief she did offer to enroll us in a hardship program. The program allowed us to pay off our balance in 60 months without any interest. Our payment would be $ XXXX. We made our first payment over the phone that day and have made 2 additional payments in XXXX and XXXX through automatic withdrawals by Comenity bank from our checking account. Also as a condition of enrollment in the hardship program was that we had to close the BJs Wholesale Mastercard Account. On XX/XX/XXXX we received a letter from Comenity Bank dated XX/XX/2022 stating that they were unable to complete our request to enroll in the hardship program. The letter, which is attached, listed 7 reasons ( none of which applied to us ) as a reason we were not able to be enrolled. We were already enrolled as I detailed above and had made the payments we agreed to. Comenity Bank claimed that the reason we were being removed was due to BJs Wholesale club was discontinuing the program. We find it very suspect that now that interest rates charged by banks, have increased significantly, that the program was dropped. We could not get a clear answer if all the people in the program were being dropped or just select individuals like us. There was no offer or attempt to provide us with an alternate approach to pay off the balance. In addition we were told that we had a minimum payment of over {$1000.00} owed and that we would have to pay late charges on. The bank has made considerable money from the interest we have paid to date and now are making record profits it is criminal to force customers enrolled in hardship programs to return to paying the full inflated interest date. We are trying to paydown our balance off and the hardship program provided us a method to do so. Without the program we will have borrow money to pay off the balance. We did receive an initial letter confirming our enrollment in the program but I can not find at this time. I'm sure Comenity Bank can provide a copy.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: PLEASE REMOVE FROM REPORT. I HAVE GOT HARRASSING PHONE CALLS FROM COLLECTOR. I DID NOT SIGN ANYTHING IN WRITING STATING I OWE THIS. THEY CALL AND HARRASS MAKING THREATS
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XX/XX/XXXX I purchased items at a XXXX store and got issued a new card from Comenity Bank for {$90.00}. They sent the new card and sent the Statement/Bill- and I paid it. on time. XX/XX/XXXX I purchased items at a XXXX store for {$260.00} - I never recieved the bill/statement. By e-mail on XX/XX/XXXX Comenity bank stated that stated they changed to a different system and were waiving any late fees whose payments were due XX/XX/XXXX thru XX/XX/XXXX, I got nothing in the mail which is how i pay ( store Credit cards ) I never chaanged how i go my Bills from XXXX to XXXX. XX/XX/XXXX thru XX/XX/XXXX I was in XXXX on Vaction and mail was picked up every day by house/Dog sitter. NO statement was mailed. XX/XX/XXXX I purchased items at a XXXX store for {$210.00}. no problem XX/XX/XXXX Email from Commenity bank states they are concerned and wanted to " talk '' - still nothing in Writing. XX/XX/XXXX Email says statement is ready and payment is DUE XX/XX/XXXX. XX/XX/XXXX, Email states my payment of {$30.00} is due on XXXX, XXXX XXXX (? ) XX/XX/XXXX - Called 3 times nothing resolved total time 40 minutes. Canceled card. XX/XX/XXXX Letter 1st correspondance recieved. Stating I owed {$560.00} - no breakdown in costs, nothing to verify why would owe this when it was the first time I recieved. XX/XX/XXXX I called and complianed to XXXX. I am emailing them a copy of this complaint and paying the bill at the store. At XXXX XXXX Comenity Bank is in a complete financial mess and holding customers XXXX and NOT issueing bills as agreed, then collecting fees they say are due but in reality are fraud. Comenity Bank - XXXX XXXX XXXX XXXX Ohio XXXX Comenity.net/XXXX Comenity Bank XXXX XXXX XXXX, XXXX TX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX, MA XXXX
Company Response:
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party. 15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. In the above-mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my XXXX Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a XXXX complaint. Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity/Wayfair XXXX XXXX - This company ( Comenity ) increased my credit limit at my request. I began to order more items from Wayfair because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. Wayfair nor Comenity were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. Comenity finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at Comenity ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ 1,500+ because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This is with the XXXX XXXX XXXX arm of Comenity Bank. I established an interest-free account to pay-off dental bills. I foolishly failed to see monthly warnings that, if not paid in-full within 18 months, I'd be charged with deferred totaling {$1100.00}. I then discovered that the bank had been already charging me interest for months before that termination-date. I thus am apparently being double-billed for that deferred interest. I have written Comenity, but that have failed to respond.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX Rewards credit card through Comenity. In XXXX of 2022, the rewards completely stopped working. I have called both Comenity and XXXX XXXX and no solutions have been offered by either. It was referred to as a delay. Ita been more than 90 days since any rewards have registered for any purchases. This is unacceptable and I will be canceling my account if it isnt fixed within a week. Comenity obviously does not care about its customers.
Company Response:
State: TN
Zip: 37865
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I applied in store for an Arhaus credit card and an accompanying interest free promotional period. The in store representative told me that I would be making equal payments for the term of the loan. I was also told that I would be getting written disclosures in the mail from comenity bank ( the holder of this account ). Over the next several months, more than one of my statements was received after the due date of the payment. I had to call in to request the removal of late charges since I did not receive the statement in a timely manner. I also set up an on line account so that I could make my payments directly. My most recent statement for the payment due XX/XX/XXXX shows an interest charge billed of {$1800.00} and an interest rate of 29.99 %. When I called comenity bank for an explanation, I was told that my promotional period had expired ( I was never notified of this ). I was prepared to make the payment in full and requested an abatement of the interest charge, but the representative ( XXXX XXXX # XXXX ) refused. I explained to her that I never received the legally required disclosures and did not have a clear understanding of the terms of this interest free " loan ''. AND, none of this matched the information that I was given in store. I am prepared to pay the balance in full ( before the interest charges ) and request that comentiy bank be investigated for these loan sharking practices.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A