Date Received: 2022-08-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My card was having a great deal of trouble with their site being down and I could not access my account. Clients were told to call the XXXX number but that was also down. For numerous days. As a result if this outage I could not tell if I had paid off my balance and accidentally overpaid. It was because of the outage and inability to access my account at all for days that I chose to lock and then close the account. I did so and when I finally got an agent I was told the account was closed and what my refunded balance would be. Weeks passed and I got no refund check. I finally called and was told that my refund had been approved on the XXXX of XXXX and the check was being cut. I wait more weeks and still no check. I called again today and was told that my refund check had just been approved on the XXXX of this month, almost verbatim of what I was told last month by a different agent. In the end, I said 3 to 4 months to get my money was unacceptable. I was then told that if I called a special number and got my bank to send proof that I had paid my account off, then they could expedite my refund. They already know this. They have told me that repeatedly. As for expediting my refund, its already been 2 months. If I were to not pay my credit card for 2 to 3 months, you can bet Id be paying some interest. Why is the credit card company able to withhold my money for months, earning interest on it, and have no penalties? All I want it my refund in a timely manner. At this point they are saying XXXX. That is not alright with me. That is literally months late and they told me my refund was approved XX/XX/22. Please help.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: TX
Zip: 783XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.
Company Response:
State: AZ
Zip: 85024
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
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.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I had a Caesars Rewards Visa Credit Card and tried to take advantage of a transfer balance prom to off other credit cards. During XX/XX/22 I paid my balance to a negative XXXX so I could keep paying any interest on the amount I apply for. Between XXXX I applied for the amount of {$4600.00} and it went on my statement. The transfer did not work and was interest on XXXX XXXX card and payments to a transfer that did not happen. I spoke with Caesars Rewards Visa and they said there was a problem with making the transfer to XXXXXXXX XXXX I said cancel my card and the {$4600.00} was removed from my card which never received. In both XXXX & XXXX received statements that I owed {$4600.00} with late fees & interest. Each I called and fought through the people wanting a payment to a manager. Each time I was told they clear up the problem The last conversation was opening investigation case taking XXXX days. On XX/XX/XXXX I received a letter that Caesars Rewards Visa had found the duplication charges and was clear of all charges, interest, fees, and bad credit reports. I was so happy. Mid XXXX I received the same statement I owed money, I called and spoke to a manager. I was told to wait until XXXX and everything should be corrected. XXXX cam and the same problem, after 2 hours on the phone and calling the Caesars Rewards Visa phone number, NO XXXX had any knowledge of the letter. A letter that Caesars Rewards Visa had sent me. Again, believe it or not Caesars Rewards Visa opened another investigation case that again can take 30-90 days. I am at a point where I need a solution or a recommendation on a lawyer. I have all my XXXX XXXX statements and NO money was ever deposited into that account, also it resolved by Caesars Rewards Visa that they made an error. However, there customer service has no idea what they are doing. This is affecting my life and I need this fixed
Company Response:
State: IL
Zip: 60172
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: 2022-08-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX Commenity Mastercard credit card and I was informed when I got it that I could use the rewards I receive from when I use the card, with them or anywhere else, at any time I earn them. I went to XXXX the other day and they stated that I couldnt use all my rewards, only {$10.00}, which I had {$40.00} available and stated that theyve been having this issue for a few months and they couldnt do anything at this time and would have to contact Comenity. When I contacted them, they couldnt tell me when Ill be able to use my points. At this point I feel that Im been misled and giving wrong information on using my earned points for using their card.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Multiple complaints with Comenity bank XXXX 's card, late fees, online bill pay not working, notes on their page saying they apologize for the update to their system still not working ( its been months ) or sorry a technical glitch occurred payment could not be proccessed. XXXX made never showing or being deducted from bank account. XXXX XXXX same thing XXXX Same thing XXXX XXXX same thing. I actually even commented on your page pertaining to comenity back back on XX/XX/XXXX that it was a miracle i was actually able to make an online payment with XXXX, only to find out in XXXX when they started blowing my phone up that i was a payment late, XXXX late fee etc. I argued with the lady and she admitted thayy have had serious issues, understood my frustrations. My credit is suffering, my balances not going down because you either cant make a payment, think you did make a payment and they show nothing. Ive already had XXXX complaint in with cfpb, you handled it, however it started all over again. They are absolutely horrible
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022 I looked at my account online to purchase a few items. When I try to purchase the items on my credit card I Could Not. So I called Comenity Bank who served XXXX 's account, I was told account was close But I have a {$100.00} available credit line and also my last XXXX digits on my account is not the same. The bank change their cards lately and I never recevice the new card. The bank say they were going to mail it But never did.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I experienced a technical difficulty with linking my new credit card ( Mastercard ) with my existing Victorias Secret Account. When attempting to link the new card to this account, I was asked for identifying information including the card number and the last XXXX digits of my social security number but received an error after submitting this information. The only data regarding my account that I was ever able to view was a XXXX balance that displayed on my home account screen dashboard. Because of the difficulty with linking my new card and accessing my true balance information, I was effectively unable to view or make payments on the account. I now understand, from speaking with a support agent, that there is in fact a separate website login for MasterCards that were issued to members. The agent had to manually provide the new address to me, as this was not clearly explained to me anytime before this point. I find this process complicated and cumbersome and believe that I should not be held liable for system inefficiencies leading to my inability to see or pay my balance. I would like to request that an AUD be filed to remove the delinquencies that arose from this technical issue. I had hoped to resolve this issue directly with the vendor, but was instructed to submit my request in writing ; again, a cumbersome process for an issue that was not my fault.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Dear sir/maam, The XXXX Credit card called XXXX card I had been using for a year. While I was using I noticed that my balance will never go down no matter what I pay because they keep adding nonstop every different kind of fees every single day to prevent you having your balance all paid. Then I was aware that I had to pay double or Triple of my original amount so I called the customer service ( which is very impossible to reach out and so rude and will not even talk ) closed my account. Then on XX/XX/XXXX th I paid the total amount where I made sure I owe nothing. However they keep sending me a bill {$480.00} and fees {$37.00} and not closed my accounts. When I call them they just hang up on me. So they are scamming me by showing the amount hasnt been paid and I havent closed the account. Last month I finally reached out someone and she told me she fixed it and I dont owe anything and account is closed. However this month of today I received an email says I have to make a payment and when I called them they hangup twice then they yelled at me and say its system error which I know its a lie and hang up on my face. Its a financial abuse and I dont know how to handle this issue anymore. So please help me on this issue and please dont hesitate to contact me if you need any further information. Sincerely, XXXX XXXX
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A