Date Received: 2022-09-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Comenity financial provides credit cards to multiple vendors. They did an update ( cyber hack ), more than likely and have had to many issue to count going on 3 months now. No communication about the true cause of the issue and servicing your account is almost impossible. Customer service is non existent and using there preferred method on internet messaging return the same canned reply several days later. Payments do not always get applied or even better get applied for a date preceding the date it was actually made. Awards are not updated and disappear depending on the day. This is a total train wreck of a lending institution.
Company Response:
State: FL
Zip: 33852
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had a card with XXXX for ten years, never once missed a payment. XXXX took over the account in I think XXXX this year. I did not have access to any account when XXXX stopped taking my payments, and the account was transferred to XXXX. I did not receive a way to pay through " XXXX '' and all my calls were on hold for over an hour, dropped, mis-transferred ( with laughing person on line and led to a transfer that was a message to call again later ), and once I even got a message ( which i have recorded and saved ) stating they were sorry no one was available to take payment, that no negative payments would be reported to credit bureaus, and to call back again with a disconnect. I received notice from XXXX XXXX that I was reported for late payment in XXXX or XXXX, when I could not make a payment after trying so many times! I have submitted disputes to all the bureaus, and a letter back from XXXX from my goodwill request that they would not honor my request to remove the late payment reported. I had thought it was just taking them time to " transfer '' I have sent them multiple letters requesting to remove the late payment, and finally was able to get someone to take the XXXX dollar payment ( all that was due ) and closed my account with them. I was never even able to get my card activated.
Company Response:
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My XXXX statement had a balance of {$260.00} reflecting a {$45.00} made on XX/XX/XXXX. The minimum payment for the month according to the Comenity statement, due on the XXXX XXXX XXXX, was {$37.00}. I noticed a promotional balance for a previous purchase 's promo rate expired on the XXXX XXXX XXXX for {$110.00}. I sent $ 120 days afterward that didn't post until the XXXX XXXX XXXX. I realized that was much later than I intended so on the XXXX XXXX XXXX I called Comenity to see what the status of the account was. I was told that only {$5.00} of my {$120.00}, my second payment in under thirty days, was applied to the plan with the outstanding {$100.00} that expired the month of XXXX and that the entire rest of it would be applied to a plan that expires in XXXX. When I asked about how this breakdown was justified when I enough to cover the minimum payment, the expired plan and then some and everybody Inspoke with just kept repeating how they work on " billing cycle dates ''. But when I asked for a breadown of how my payment would be applied I was told that information couldn't be seen by a customer service MANAGER until the XXXX XXXX XXXX. My payment due date for XXXX is the XXXX. How is it they can immediately apply my payments in a way that maximizes what Comenity can collect in fees and interests but can't tell me how that was applied until after the due date? I feel my intelligence is insulted and my payments were maliciously applied when I've sent them on time to minimize my debt. This is an unconscionable, deceptive, unethical, and willfully punitive application of my payments.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB/VICSCRT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Electronic payments initiated by my bank were rejected and then a fraudulent late fee was applied. I have bee making payments by the same method for years and this has now happened for the past 2 months. My account is reflected as past due and I've never had a past due payment in my life. This will impact my credit score. When I call Comenity Bank to complain, I am on hold for hours and never get anyone to assist me.
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX of 2022 somebody applied for a forever 21 credit card and spent over {$800.00} on mobile order. The person also attempted to open a credit card with Victoria 's secret and XXXX. I contacted Comenity Capital Bank in regards to the fraudulent charge. They have denied application for XXXX in Victoria 's secret and will start an investigation for the forever 21 credit card charges. The company informed the investigation usually takes 90 days and the decision is mailed out. The last time I have used my SSN was with XXXX company who does financing for solar panels. I believe the problem might have originated when I submitted my application through XXXX. I have froze my account with XXXX XXXX and XXXX. I will also contact the bureaus for identity theft and contact the social security XXXX.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Commenity Card Services have not reported to the credit bureaus in 3 months. I have XXXX XXXX XXXX, XXXX XXXX and Commenity have not reported any of my payments to the credit bureau. I have reached out to the company several times and was told they will update
Company Response:
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I can not login into my account, I cant access my points rewards page. It shows I have XXXX points when it should show XXXX or more. This GARBAGE company blames it on a software update from 5 MONTHS ago. When are you actually going to step up and do something!?
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Comenity Bank/ Comenity XXXX XXXX XXXX XXXX OH XXXX, phone XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, issued a credit card using my personal information without my solicitation or application. I have never received any information from this company about this credit card. My first contact with this company was XXXX. The amount charged to this unauthorized credit card was {$3900.00}. I have called this company to report this fraudulent card on several occasions to rectify the fraud. My last phone call with this company was on XXXX and I was given the ID # XXXX for this case. It is now 90 days later and nothing has been resolved.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity website for all three of my store cards XXXX XXXX XXXX, XXXX, and XXXX XXXX ) have been down for months. I know I have credit on these accounts and Im unable to use them. Im also unable to pay my bill. When I call the customer service line, Im met with poor customer service after waiting an hour and then Im either hung up on or they can not help me at all. Im getting late fees because of this. My credit score is dropping over something completely out of my control. This is ridiculous
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A