Date Received: 2022-09-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Ever since. I had XXXX in XXXX, other health issues have been causing problems with me paying. I have sometimes been able to at least make XXXX dollar payment which is under the limit. Victoria Secret Credit card company which is used by Comenity Bank first offered help if I had Covid ( I have documents from XXXX XXXX in mn confirming this ) about me being sick and then the further detestation of my health. However when I would call and ask about the help, agents. Would say that it wasnt true, even though I received letters and text messages saying they could. However this month every day I have anywhere from 5 or more calls from them daily including ones in a row which I know is against regulations
Company Response:
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone is trying to open an account on my credit. Other information has slowly been taken over with XXXX, etc. They are trying to open an account with ComenityCB/XXXX at XXXX XXXX XXXX XXXX XXXX OH XXXX. Please advise.
Company Response:
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Mailed XX/XX/22 check for {$270.00} to pay down debt for dental work at XXXX XXXX. Mailed payment to XXXX, Ohio instead of XXXX, Texas collection center to XXXX XXXX Financing with account number on the check. Still have not credited my account with payment even though check cleared my account XX/XX/22. Sent me XX/XX/22 letter on my jy inquiry as to why check not cleared and was told it could not be located in their collection system. When check cleared my personal bank account XX/XX/22, I thought issue was resolved. However, Comenity Capital Bank said my claim was under investigation and it would take up to 90 days to credit my account for {$270.00} subject to interest. Amount still not credited to my account. My bank ( XXXX XXXX ) said they could not provide me with a image of my check because money was withdrawn via electronic transfer. I want the {$270.00} credited to my debt account asdof when it was cleared. Filed with XXXX XXXX XXXX, but told I must wait for Comenity Capital Bank to respond because they are exempt to providing third-party information request.,
Company Response:
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have several different credit cards with Comenity. EVERY TIME I try to pay online on any of the accounts it will not let me sign in. It used to work fine then recently it started telling me my user name or password was wrong. I tried changing it and still got the error. Its only my comenity accounts. XXXX says lots of users are experiencing this but they havent fixed it in over a year. This is how I make my payments so it causes me to be late because I have to actually call and input all the information to make a payment and its very inconvenient. There is some sort of glitch in their system that they need to fix and theyre making money from late fees off of this glitch. This is not right! I should be able to easily log on and make my payments.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Comenity Bank is attempting to collect a debt that I do not owe, and have communicated that I refuse to pay pursuant to 15 USC 1692c.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2018 my ID was stolen adnthey got my credit and started to open up accounts on my report. The amount for this one is {$460.00} and the company name is XXXX COMENITY BANK
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, Comenity Bank ( XXXX XXXX ) debited my checking account twice for the same monthly payment in full of {$3400.00},. XXXX payment paid off my bill in its entirety. The second payment brought my balance to a negative of XXXX. When I contacted them to say this was error or fraudulent, they told me they would reverse the double payment, but then they never did. They received both payments and acknowledged that was the case, but they have no idea of how that happened. Then they said it would take more than 60 days to get my money back. This is unacceptable that their payment system would double the payments in this way. I am requesting an investigation of their payment systems and an immediate reversal of my payment. Each day I called in, they said they would reverse the payment, but that is not happening.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Charging late fees when paid on time!!! Unable to pay my bill without being charged XXXX processing fee
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened the Bread savings account with {$100.00}. All I did was try to link my XXXX account so I could transfer funds. Next thing I know, the account was restricted. I sent in everything they requested, but they still would not unlock my account. I made MANY requests. I finally told them, in very simple tetms, that I want to close the account and get my very much needed {$100.00} back. No one will do this for me. Please help me.
Company Response:
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Comenity Bank, IKEA credit card, issued rewards to me that are not being honored at IKEA stores. After receiving a {$15.00} reward from Comenity Bank, I attempted to use the coupon at the IKEA store in XXXX, NC. XXXX refused the reward coupon, stating it was invalid. I contacted Comenity Bank and asked for a {$15.00} credit on my bill for their mistake. I was refused and told over XXXX reward coupons were not working due to computer problems. I feel that Comenity Bank is not upholding the customer user agreement. I want an immediate {$15.00} credit to my account. This reward expires within days. I can not utilize the reward as of this date.
Company Response:
State: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A