Date Received: 2022-09-19
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 paid off my Credit card with Comenity-forever 21 in full. I have no balance at all. balance is XXXX. So in XXXX or XXXX of 2022 I received a bill from them for XXXX dollars. it said it was interest. So I sent them XXXX $ just to make sure it was fully paid off. From that date on for the next four months they keep send me a bill for XXXX cents saying I still owe them money and I don't. I spoke with comenity on XX/XX/2022 and told them I don't owe them any more money and my account was fully paid off. I demanded they remove the charges for XXXX dollars and stop send me bills. I paid the account off in full 3 months ago. Comenity removed the charge and apologized. on the same phone call I told them to cancel my credit card I was sick of there XXXX and that they are committing a federal crime by putting a stamp on the fraudulent bill and mailing it to me ( wire fraud ) .They asked why am I closing my account? Because of they fraudulent bills you keep sending me. That phone call took place XX/XX/2022. I received a bill from them in XXXX, even though my account is closed and has been paid off for close to 5 months now. I want them to be penalized with a fine from the government, charged with a federal crime and I want XXXX $ for them trying to ruin my credit score. The only way this company will learn is if you hit them with a huge fine and make them pay me for this. Otherwise they keep doing this to the American public and think they can get away with it.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a card through comenity bank. I think they had a ransomeware attack. Cant log into accout to pay or check, has been this way since XXXX. They have charged late fees to me twice ... its hard to figure out what is going on .if you call u wait at least XXXX hours and get hung up on. Check out XXXX i am only one of many having this issue. How can their website be down for 3 months??? Im in XXXX and this would not be acceptable for most companies. If they are a " bank '' dont they have to follow rules?
Company Response:
State: NC
Zip: 27028
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I tried to use a discount promotion online with my XXXX credit card issued by Comenity bank this afternoon. Online they said the items were excluded from the promotion. However on the promotion card it said that it was {$30.00} off of any purchase of {$100.00} or more and it did not specify the exclusion of any items. I did talk to the company finally after a prolonged period of time waiting online and they did give me the discount. However many people would be deceived by the discount card. There was no disclosure on the discount card I received that said any items would be excluded. I explained that to the woman on the phone and she eventually gave me the discount. However many people would not see that and would be deceived and will pay a higher price and they shouldve. You should investigate this. Its XXXX discount on a comenity bank card. It feels like a deceptive practice under XXXX that needs to be fixed so other consumers dont get swindled.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: BJ 's Credit Card from Comenity Bank. My mother passed away in XXXX of 2022 and I have been trying to close her BJ 's Credit Card with Comenity bank since then. I have talked to them 7 times, I have sent in her death certificate but they still continue to send me bills that contain late fees. The card was paid off in XXXX and they told me the late fees would not apply due to the circumstances. I actually paid one late fee just to get them to stop sending me bills and they sent another one with more late fees! I literally talk to them once a month and they say it will be taken care of and disregard the bills but the late fees keep going up! They purposely make it extremely difficult to close the account. No one should ever get a credit card through BJ 's or Comenity Bank.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an unauthorized inquiry dated XXXX XXXX on my XXXX consumer report. They accessed my credit again without my permission as I did not apply for anything!
Company Response:
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX Credit Card XXXX Comenity Bank I paid off my balance on XXXX of {$830.00} Two days later they charge me a late fee and then continued to do so up to XXXX with the " transaction '' being called an interest charge on purchases. I have not used the card at all since I paid off the balance. I also requested the card be canceled the day I paid the balance. They gave me a number that wasn't answered until today and instead of canceling the card they froze it even after repeatedly asking to cancel the card completely. I have a balance of {$120.00} now that I did not create myself because of " late fees '' and " transaction fees '', which again I have NOT used their card since the initial balance was paid. They have made it extremely difficult to communicate with them and I strongly believe they are doing it on purpose so that more fees can pile up
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been charged a substantial amount of late fee and interest charges total US {$22.00} in my credit card account with Comenity Bank Master card. They charged based upon the {$5.00} on XX/XX/2022 which was an unauthorized charges by XXXX XXXX. On XX/XX/XXXX, XXXX has refunded me {$5.00}. I have called Comenity Credit card numbers, XXXX multiple times ( 5-10 times on XXXX XXXX ) to remove these illegal charges, but they always disconnect me when I choose the option to talk to their representatives. I have used online chat with their agents, who also would not want to dispute these charges for me. Please help me to move these illegal charges ( US {$22.00} ).
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
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: XXXX is showing my name as formerly known as XXXX. This version of my name is incorrect and as a result of my former boyfriend, XXXX XXXX of XXXX XXXX California, from opening an account over the phone in my name and not filling out the paperwork correctly as the signature line for Zales should have shown as PHONE AUTHORIZATION and instead the signature line was forged by him to represent my name but in no way was signed by myself. I did however give a verbal phone authorization but none of the terms and conditions were read over the phone. This is a data processing error and was incorrectly transcribed on the credit application with Zales and should invalidate the request for a credit line. Please delete this version of my name from your records.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had account with XXXX XXXX open this account in XXXX XXXX., I'm in good standard with XXXX XXXX i was approved for XXXX dollars the company deducted my credit limit to XXXX dollar without a reason .I notice that my account was closed without noticed this adverse action my account should have not been closed according to 12 cfr 1026 ( b ) ( 1 ) ( 2 ).
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have a credit card with XXXX XXXX, which is commenity bank we had to get a replacement card. The card has never been sent to us, and they say they have some internal software problem with their computers for over two months now can not even use the line of credit. Finally, after dealing with them, I have spent three weeks trying to pay them off to close out account because we do not want their services any longer and they are telling me that they can not and they have no ETA on when its going to get fixed and 2 1/2 months later we are upset because our credit is tied up on this and they cant seem to get it fixed we cant use the credit we have nothing ultimately what I want at this point is to pay off my account and close my account which they say they can not do and even if I have a payment due they can not take payments. Either is what theyre saying. I only owe about {$120.00} and its hard for me to believe they wont let me pay it off and close out the account.
Company Response:
State: TX
Zip: 79423
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A