Date Received: 2022-09-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am being charged interest when I paid my card off and when I went to make payment on a late fee I was not able to access account. I tried to contact customer service and their system was down its been months and still cant get a hold of a representative. This is after we were told we would not be charged for not being able to pay on time because of their system problems and I was charged almost {$37.00} plus interest on a card that is paid off.
Company Response:
State: CA
Zip: 93654
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Behind on payment for credit card, made payment arrangement for XX/XX/XXXX to pay balance. Receiving calls of upwards of 10 times a day, from different numbers and also private numbers.
Company Response:
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of this year, ( 2022 ) I checked my credit, and the balance was XXXX. I was concerned because I had paid the balance off. However, I was paying each balance a few times a month so I would not have a large balance. In XXXX ( 2022 ), the account XXXX showed the same balance of {$270.00}. I tried to log into my online account, however, it was having technical difficulties. I tried on other computers and the same result of not being able to log in occurred. I started to be concerned because of having this problem before when I called the company on the telephone to make a payment a while ago. I checked the XXXX for the company and discovered that some individuals had be charged interest on a {$0.00} balance. I was hoping this would not happen to me. I did not know what to do.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Filing an harassment complaint on Zales credit card 's collection company Comenity Bank. For the month of XXXX due to unforeseen circumstances a full payment could not be made. However the goal was to make a partial payment so as not to miss paying each month. However since that time Zales has been calling my repeatedly sometimes multiple times per day. 1. This screenshot shows a payment of {$50.00} was paid on XXXX XX/XX/2022. 2. However since that time Commenity has called a total of XXXX times in 4 days beginning on the XXXX of XXXX a. XXXX XXXX ( 3 times ) i. XXXX XXXX. XXXX XXXX. XXXX b. XXXX XXXX ( XXXX times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX vii. XXXX XXXX. XXXX ix. XXXX x. XXXX c. XXXX XXXX ( 5 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX d. XXXX XXXX ( 4 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX e. XXXX XXXX ( 6 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, I am a very stressed out when dealing with XXXX - XXXX Stores and the account that was formerly XXXX XXXX, who is no longer in business. The issue began in XXXX of this year. I called and asked what the payout would be and sent it by mail for my ailing mother who had been hospitalized for over two months. Her bills where late and we paid with the money she had set aside for bills. I later got a statement for a late fee, unexpectedly and I tried to dispute but nothing was accomplished. The agent said the pay out was a day late in the mail and we owed the forty plus dollars in the late fee. I informed them that I was told that I sent the money to pay out and that everything would be fine. I asked if I can get this resolved and they stated that there was nothing to do other than writing a letter explaining what happened. I did as told in XXXX and in XXXX I received another late fee and no response from the company. I was told by another agent that someone would get back with me that month. It now has been several months later and no one has responded by phone or mail. The late fees and interest has accumulated to {$350.00} dollars and the account has been closed since last year and we have no purchases in over a year. We feel as if this should have been resolved and contacted to put this to an end. We do not feel that this balance is ours and that they are taking advantage of our mother in this situation. She is elderly and still sick at the moment. We would like this to be resolved but we are not getting anywhere with communication with the company.
Company Response:
State: TX
Zip: 77091
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Company : Victoria 's Secret / Comenity Bank Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Original Balance : XXXX Balance Reported : {$430.00} Account ending in XXXX was reported as late on XX/XX/XXXX. During the beginning of COVID19, I called the bank to let them know that " I will be behind on my payments due to the critical situation that my company was going through. The operator told me that i shouldn't worry about late fees/ late payments because the account will be " paused ''. I asked to receive confirmation via email, i never received it but i was re-assured over the phone that i would only have to pay for the original balance. From & XXXX it went to {$430.00}, it has been doubled up ONLY in late fees. This type of abusiveness has to stop, the city of NY was locked down and many people lost their jobs and family members during COVID19. I as an essential worker, was struggling to make it home, did not apply for unemployment, however my salary did not increase at all. I lost my father, grandparents and the funeral expenses are not cheap. I was harrassed by the debt collectors over the phone, never had a payment plan option to cancel the original debt. The bank sold the debt to " BUREAUS INVESTMENTS GROUPS PORTFOLIO NO XXXX LLC '' this company has violated my consumer rights by opening the debt, and reporting late payments to the credit bureaus when the debt has been charged-off /closed. This debt is XXXX years old and based on the new debt collection rules, it's time-barred. The Fair Debt Collection Practices Act prohibits to be threaten by debt collectors, also debt collectors need to provide all the relevant information to validate any debt/ over the phone the collection company did not provide the company 's name nor the account number nor mentioned about my rights to dispute this debt. The debt collectors did not provide transparent information/communication while trying to collect their debt. I have been victim of improper debt collection. Under the new shorter statute of limitatios creditors can not proceed with a debt that is time-barred, it's violating the three-year period implemented in the new Credit Fairness Act signed in XXXX.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Company : New York & CO/ Comenity Bank Account opened : XX/XX/XXXX Date closed : XXXX Original Debt : {$150.00} The account was closed on XX/XX/XXXX, I was behind on my payments since XX/XX/XXXX, i called the company to get support at least to minimize late fees. The operator told me that " they will pause the account, plus a two-month grace period. This agreement was not respected at all, even though the whole world was going through a big crisis/ covid-19 pandemic. From {$150.00} to {$430.00}, that's double the amount to be paid. Based on my consumer rights and the New State Regulations against illegal charges this account is time-barred ( more than 3 years since it was opened ). This company has been trying to collect a ridiculous amount, even when i called the bank on XX/XX/XXXX to work things out. Before the pandemic i was never late, i paid on time, and sometimes i paid extra. As a consumer i haven't been treated fairly, excessive fees were eliminated during the pandemic. Governor XXXX passed the bill, and Governor XXXX created the new Consumer Credit Fairness Act of XXXX which protects consumers from scrupulousness debt collectors t ( hat not ONLY harass but make threats ) to damage credit scores if consumers do not comply with them.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Opened acct in XX/XX/2022. Waited for card but never arrived. Out of abundance of caution so card is not in the hands of someone else, I made a follow up call and guy was able to report card as lost and request replacement to he mailed. He told me be on lookout for white envelope. Address verified as to where it was sent. 2 weeks went by, again no card. Called & spoke to several agents, none who could help except to try to transfer me off & get the call disconnected. After numerous frustrated attempts, asked for manager and told her I did not get my card. She said it could be due to an address issue and that she would ensure someone calls me back. Never got any call except a letter that said a replacement card can not be sent because address on cr bureau not the same? I said I can mail you proof of my address, its the same as my JCrew of which I received that card with no issue. They asked me address from way back, I gave them an answer, the guy on phone said I failed. Huh? What kind of verifying my address that way is legit? So now im stuck with an open account but clueless what my account number is because they wont send me the card!
Company Response:
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
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: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : COMENITYCAPITAL/OVER XXXX Date Opened XXXX. XXXX, XXXX Balance : {$0.00}
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Comenity bank XXXX card, has locked my card for fraud, I explained no one has used my card and was willing to verify purchases through receipts, no one can get through on the phone been calling XXXX times to be on hold for a few hours with out anyone to help me, also contacted the XXXX and they are unwilling to help, left messages on my credit card online account and they refused to help, just told me to call the number which no one can get trough to. Also lost some rewards I accumulated because card is frozen. I make all purchases and account is paid. I'd like to be able to use my card.
Company Response:
State: AZ
Zip: 85033
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A