Date Received: 2022-08-25
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On or around XX/XX/2022 I was updating my repeat order on XXXX and received a message asking me if I wanted to apply for a XXXX XXXX XXXX so I did. After waiting over a month for my card I finally decided to call and find out where the card was. I was concerned that someone else might have received my card in the mail. After numerous attempts, On or around XX/XX/XXXX, a month after applying for the original card, I was not able to reach XXXX XXXX - XXXX - by phone so I called XXXX XXXX - XXXX - where I was finally able to get a supervisor to ( supposedly ) cancel the card and send a new card which arrived sometime in XXXX - over a month an a half after signing up for the original card. Upon receiving the second card, I immediately activated the card via the XXXX phone number on the card. After activating the card, I tried to register for online access at comenity.netXXXX but was unable to do so. No matter what I tried to do ( forgotten password, forgotten user ID etc ) I would receive Big Bright Red Error Messages that worried me due to the unprofessional appearance of these messages. After unsuccessfully trying to reach a customer service rep at XXXX XXXX by phone ( again ), I decided to call XXXX XXXX ( again- not XXXX XXXX XXXX ) at XXXX ; but like myself, the XXXX XXXX rep was also unable to reach XXXX XXXX XXXX by phone so they transferred me to a XXXX XXXX supervisor. The supervisor was also unable to reach XXXX XXXX by phone so I asked her to cancel the second card. By this time, I no longer wanted a XXXX XXXX XXXX. Now on XX/XX/XXXX, I need to confirm the 2nd card was cancelled but, once again, no one will answer the phone at XXXX & I can not gain access to XXXX XXXX online at comenity.net/XXXX I don't know if this is because the card is cancelled or because the website and customer service line are both still not operational. There is something very odd going on with XXXX XXXX XXXX 's website and customer service line. I need to confirm that this card is cancelled right away. Also, I do not feel comfortable knowing that XXXX XXXX ( comenity.netXXXX ) has access to my data and want them to removed all of my personal information from their database right away. I would like confirmation that they have done so. I do appreciate your assistance. Thank You.
Company Response:
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
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: I received XXXX response once again not addressing any of my concerns and never giving me any proof of the information I am requesting and entitled to by law! THIS IS NOT A DISPUT I'M AWARE XXXX IS NO LONGER THE CREDITOR My account charged off due to nonpayment on XX/XX/XXXX.XXXX sold my account to XXXX XXXX XXXX on XX/XX/XXXX. XXXX also responded to the disputes I filed with a letters dated XX/XX/XXXX, and XX/XX/XXXX. In every single letter I wrote I never disputed the fact XXXX was reporting innaccurate account status or sold/transfer status or ownership. The account charged off and sold was never been a dispute or the validity of such information. I have asked XXXX 10+ times what INFORMATION did XXXX use or steps taking by XXXX to bring my account current from XX/XX/XXXX when I consumer closed the account without payment on that day never making any payment or arrangments on account since XX/XX/XXXX ( {$43.00} ) how then is XXXX reporting payments being made on a account when there was no payments actually being made the balance never decreased after XXXX reported these on time payments. Even after the account was charged off and sold XXXX report 15 additional payments made on account after sold at one time XXXX cerified the information they was reporting was accurate but XXXX was reporting my charged off account as a REPO I had to dispute that among other things XXXX was reporting inaccurate that in fact was not! So my question to XXXX I how did my account become current from XX/XX/XXXX when I consumer CLOSED WITHOUT PAYMENT, ALL THE WAY TILL XX/XX/XXXX WHEN ACCOUNT WAS FINALLY CHARGED OFF FOR NO PAYMENT? HOW!!! what method was used and documentation used for XXXX to make these changes to my account? I'M AWARE For any additional questions about ownership of my account, please contact XXXX XXXX XXXX at XXXX. AGAIN I AM NOT DISPUTING ACCOUNT STATUS ( CHARGED OFF ) OR THE ACCOUNT BEING SOLD ( XXXX ) THAT IS FACTS I'M REQUESTING INFORMATION THAT XXXX USED INTERNALLY TO MAKE THESE CHANGES TO MY ACCOUNT
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I made a payment of {$600.00} to ULTA Comenity Mastercard card Comenity, see statement. I inadvertently had not changed the account number to the new number. However, it WAS processed by Comenity and the payment was applied to the my NEW account number. The next two payments were not applied to my account, XX/XX/XXXX and XX/XX/2022. First payment for {$100.00} and second for {$1000.00}. XXXX told me they could not locate the payments and I was told to contact my bank which I did. My bank reversed the payments and shortly after Comenity applied a {$1100.00} to my new account. How can they apply an adjustment when the funds never made it to my new account My statement should be less {$1100.00}.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
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: Have not received XXXX XXXX or XX/XX/2022 statements. Am unable to verify charges due to no statement received.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call all hours of the day and night all the way from XXXX to XXXX 7 days a week. They call when I'm at work and have told I can not take personal calls while there. Newest calls are everyday from different phone numbers I've had 4 just today, 3 yesterday, 7 on Sunday.
Company Response:
State: TN
Zip: 38122
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Re : XXXX XXXX Ikea account In early XXXX I posted a payment to my Ikea card with an account # ending in XXXX. That payment cleared my bank on XX/XX/22. My monthly bill is not due until the XXXX of each month. I usually pay my bill early. When I logged in again to schedule my payment for XXXX I realized this account is being flagged as " late '' AND has been assessed a {$41.00} late fee. I wrote XXXX via the secured message center on XX/XX/22 and asked that late fee be waived given the fact that I had my payment promptly. I explained that I came to realize that Ikea/Commenity did not receive the full minimum payment due because of an error on their end, not mine. The amount they received was {$27.00} but that's because ever since BREAD became a part of the XXXX Co their system CONSISTENTLY changes the payment amounts on the screen before final processing. I know this for certain because I also have XXXX, Victorias Secret and other XXXX cards. Whenever I try pay more than the minimum, I have to manually the amount on the screen, by the time I get to the next window the amount reflected is NOT what I typed in and it is ALWAYS less. I have to re-do it 3 or 4 times before it rectifies for each account every single month. This happens across the board with all Bread/Commenity accounts. Given that the glitch is so rampant it must have done it with this account except I must not havre catched it this one time. Therefore this late fee is not something that is properly assessed because it was caused by the creditors own system issues. I was thinking of reporting this issue before because it so rampant but did not. Now that I'm being assessed a late fee that I don't deserve, I feel compelled to complain.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It 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: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have already filed a complaint against XXXXXXXX XXXX This is a debit buyer and you closed the account on this.The card is comenity XXXXXXXX XXXX in which they are Reporting the same on my credit as XXXX are doing also in which this is against federal law and FDCA I have Called both neither will remove. 2 parties can not report the same debit. And XXXX showed a spread sheet they didn't provide a contract with my signature.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My wallet was stolen at a gas station with my license, credit, debit and other sensitive information in it. I have been trying to report the fraudulent charge for {$100.00} from XXXX for months now to XXXX XXXX credit card. You can only report the charge over the phone with their fraud department the customer service representative told me. Then they put you on hold for hours! I've even waited hours and then it hangs up on me. I tried reporting the autopay from the fraudulent charge to my bank, and XXXX XXXX credit card charged me {$30.00} for reporting the autopay. I'm so frustrated there's no way to resolve this! I don't want this on my credit record, so am I just forced to pay all of this? It is such a scam! I just want a resolution.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I HAVE A BJ 'S MASTERCARD THAT PAYS 5 % FOR BJ XXXX PURCHASES. I NOTICED RECENTLY THAT I WAS NOT GETTING ANY REWARDS FOR MY INSTORE PURCHASES AT BJ 'S. I CHECKED MY BILL AND FOUND OUT THAT I WAS NO LONGER GETTING THE 5 % BUT WAS GETTING 0 %. I CALLED CUSTOMER SERVICE AND THEY ADVISED ME THAT STARTING ON XX/XX/2022 THEIR SYSTEM WAS NOT BEING UPDATED BY COMMENTY BANK. NO ONE FROM BJ 'S MASTERCARD CONTACTED ME OR ANY OTHER CUSTOMER AND ADVISED ANY CUSTOMER OF THIS PROBLEM! DURING THIS TIME, I HAVE SPENT OVER {$1000.00} AND HAVE RECEIVED 0 % REWARDS POINTS! THE BJ 'S CUSTOMER SERVICE CLAIMS THE PROBLEM WILL BE FIXED BY THE END OF XXXX, YET THEY HAVE NOT ADVISE ANY CUSTOMER OF THE PROBLEM! I AM NOT SURE IF I WILL BE REIMBURSHED FOR MY LOST POINTS OR NOT! I AM CONSIDERING THE CANCELLATION OF BOTH MY BJ 'S MEMBERSHIP AND CREDIT CARD DUE TO THEIR DECEPTIVE ACTIONS! THEY SHOULD BE FINED FOR THEIR DECEIPT AND DISHONESTY!
Company Response:
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A