Date Received: 2022-08-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I want to close my Comenity Capital Bank/IKEA Project card because they billed me over {$30.00} in late fees and minimum interest for a {$3.00} interest charge that I did not know I owed. I logged into my account online on XX/XX/22 and paid the full balance, {$1400.00}, that was showing. I then was charged {$3.00} in interest on my XXXX statement, which I was unaware of. I logged into my account online today and learned for the first time of the {$3.00} interest and that I have been charged late fees and minimum interest fees. I paid the total outstanding balance. I then tried to close my account. Online it says that to close your account you have to call the Customer Care phone # on the back of the card. It does not provide any other options for closing your account. I called Customer Care at XXXX, which is the # on the back of my card, and it does not give an option to close your account, or to speak to a customer care agent, or to say that you're calling for another reason. The only 5 options it gives you do not apply. After cycling through these options 3 times, I was finally transferred to an agent. She told me that she could not help me and that I had to call the Customer Care #. I told her that I had called the Customer Care # and that it gives me no option to close my account, talk to an agent, or indicate that I am not calling about any of the 5 options, and that I was put through to her. She told me that she could not help me.
Company Response:
State: WI
Zip: 53913
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up for and was approved for a XXXX Credit card in XXXX of 2021. When I made my initial purchase ( only purchase made to date ) I selected the " XXXX XXXX, 60 months equal payments '' At that time the payment for 60 months was to be {$400.00} per month. Recently starting in XXXX, my accounts minimum payment has increased to XXXX dollars. What I have learned in dealing with Comenity Bank and XXXX is that Comenity is no longer servicing XXXX customers. And that the old customers ( such as myself ) were retained by Comenity Bank. Comenity Bank went through a major upgrade on XXXX and there entire system was down for a week or more. After that update, is when my payments changed. It appears that they no longer have me on the " 60 month equal payment plan '' and my account has been defaulted to a standard revolving credit account. I need the terms of my original purchase to be honored. I need any and all late fee 's to be reversed. I have made every payment of XXXX dollars since my purchase. I have tried numerous times to work with Comenity and XXXX to get this resolved. XXXX, although they agree with me and have explained to Comenity what happened, ultimately are unable to help get it resolved. Commenity, is unwilling to listen and to date have not offered any resolve to the matter. I still have my original purchase email which clearly states that I chose the 60 month equal payment option.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: For the past year, I've been targeted, harassed, retaliated & discriminated against by Comenity Bank! They have single handedly ruined my credit simply because they can! I have several cards w/them and as soon as I use a card, they decrease the limit making my utilization seem extremely high! I went from a score of XXXX to a score of XXXX to a score of now XXXX! I NEVER missed a payment this year to date! The reason behind this retaliation is lengthy, but I have all of the recorded calls to support my claims! They just informed me yesterday that XXXX voluntarily sends my credit report/score to them and they decrease my limit based on that information however, XXXX denies doing this bc they don't have the technology or manpower to do it. Every letter the bank sends me, states a variation of lies & misinformation! I'v been in a deep XXXX bc of this. I haven't had credit in over XXXX yrs and I've decided to start reestablishing my credit so I can secure my future, but everytime they decrease the limit on any random card of their choosing, my scores drop by dozens of points affecting my ability to see any hope of my dreams coming true! The irony is... the amount of proof I have towards this is astounding. Their egregious, malicious and retaliatory actions has affected me so badly, I've often considered taking my own life bc they're destroying all hopes of my buying a home! Scores fluctuate, but how can they decrease limits know that score rise again as well?! No on that I've spoken to experiences this with them! At the age of XXXX, my dream was to build enough credit within 3 years to buy my 1st home, but they are intentionally & single handedly obstructing any & all progress I make toward accomplishing that! This ENTIRE ordeal has been so traumatic & trying ... I now have to take a mental health break from reaching out to them bc I'm currently seeking medical attention for the severe XXXX this has caused me! I have even gone so far as to seek legal advice, but no one specializes in credit fraud, or malicious credit card practices! I have no idea what else to do outside of end my own suffering bc Comenity Bank has completely ruined my life! I'm starting over at XXXX and this company is maliciously targeting any progress I make... I don't think I even have it in me to continue fighting a losing battle. They've recently gone so far as to cancel a {$450.00} credit card that I NEVER even got to use! It's as if someone is watching all of my accounts and everytime I use a card ... within 30 days they're revoking hundreds of dollars of unused credit! I wonder if the same person is behind all this retaliation bc if so, I need to know why and who's doing this!
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away. 1. Offer proof of the debt, such as real accounting. 2. A signed invoice serving as proof of their claim against you. 3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery. This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XXXX XXXX ) Recently, I, XXXX XXXX, XXXX XXXX an extension of credit by Childrens Place On ( XXXX XXXX, I applied for ( Childrens Place Credit Card ). As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Childrens Place XXXX XXXX ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( Childrens Place ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I froze my BJ 's credit card after the BJ 's club membership automatically renewed. This would have been in the beginning of this year, prior to XXXX XXXX. I am not enrolled in paper statements and selected that recurring charges not be allowed on the locked card. I then saw an issue on my credit score and logged into all of my accounts only to see the locked card that is not supposed to be accepting charges, recurring or otherwise, and I see they allowed a charge on XX/XX/XXXX. I started a dispute on XX/XX/XXXX and was told to expect it to take 30 days, since I have called back they have told me it would be 2 months and just today ( XX/XX/XXXX ), I was told it would be up to 3 months. I checked and the card still says locked and to not accept recurring charges. As a result of this fraudulent activity allowed by BJ 's on their credit card, my credit score has been greatly affected and I have lost approximately XXXX points. Another credit card was canceled because of this supposed delinquency.
Company Response:
State: NH
Zip: 03867
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
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: The card was opened under the wrong name. I had one charge on the card that was paid XX/XX/22 I have documentation from the company that my bank processed the payment on XX/XX/22. I closed the account on XX/XX/22 when I saw the money had left my bank account. I have documentation from the company that my account of {$0.00} was closed on XX/XX/22. On XX/XX/22, the company re-opened my account and charged me a late fee.
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for an installment loan with this company, after completing my application I was asked for additional information and directed to the site for perform or upload that information. The additional information needed was a copy of a government ID such as my DL which I tried to upload. After several attempts I was not able to upload the requested document as their site was continuously in error and could not or would not accept the upload. So, after many attempts I was of course denied for the reason : unable to verify my identity. I called the company and explained that I was unable to upload the requested document and was told since I could not upload the document I was denied. My issue with this is that, due to no fault of my own I was denied credit with this company because they could not accept or their system failed to accept a valid DL, I take issue with this since it was not due to a low credit score of any other type of issue that would not have prevented me from being approved. While this may or may not be bad business practice with this company to any laws being broken with the FTC, I think they could have given a customer another way of uploading requested documents to satisfy their request. I think it's unfair to the consumer to be denied them simply because their system fail to responsed properly.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I was paying my XXXX credit card bill through my online XXXX XXXX XXXX app. I accidently put the wrong amount in ( {$2100.00} ) and " thought '' I canceled the transaction. I entered the correct amount of {$2700.00} and sent this on XX/XX/XXXX. On XX/XX/XXXX, I noticed my bank account showed two transactions to XXXX and the first one I made which was a mistake in the amount of {$2100.00} was paid ( even thought I thought I cancelled it ). I tried to call Comenity/Bread XXXX but I was not able to get through to request the refund. I called everyday, but I was not able to do do anything as their system was down. On XX/XX/XXXX, I was able to finally get through and access my account using the automated phone feature and was able to " request a refund ''. The automated response was I would receive my refund in the mail in XXXX business days. On XX/XX/XXXX, I called and verified my request for refund had gone through as I was worried they did not get the request with al of their recent issues changing over their system. The woman reassured me the refund had been issued and I would receive it any day. I called back 10 business days later and spoke to another agent who then informed me my refund was cancelled. He said he would resubmit it for me deducting my recent purchase of {$110.00} ( which now the refund would be in the amount of {$200000.00} ) to make my balance XXXX on my account. He said he was processing this electronically and I should receive the refund back to my bank account. I waited another 10 plus days and call on XX/XX/XXXX and I was told that the refund had been sent to my bank account on XX/XX/XXXX. I checked while I was on the phone and I had not received any refund. The agent then told me to call my bank and she would not be able to further assist. I called XXXX XXXX XXXX and spoke to the agent and she then told me that no refund was issued and that nothing was rejected as she looked over my account. She advised me to call back Comenity/Bread XXXX and inform them. I called back and spoke to a XXXX who then took my information and spoke to her " team '' who were going to look into the issue. She asked me if I had made any recent purchase totalling over {$2000.00}. I said no, and she said I had a " charge on my account '' in the amount of {$2000.00}. She told me XXXX would call me as soon as we hung up or before end of business day ( who is a supervisor ) and would be working to help me resolve the issue. No one called me. I sent a message to bread XXXXl and in 30 minutes received a call from XXXX on XX/XX/XXXX. I explained to her what happened and she said I needed to place a dispute on the " Charge '' and would then send another request for the refund. She was having issues processing the dispute. She said she would call me back once she got it to go through. She called me back and I was in a doctors appointment so I was not able to take the call. She left a message saying that she was able to submit the dispute. She said she would call me back once she was able to get the refund approved. She called me back later that afternoon on XX/XX/XXXX and said the refund was approved and that they would send it to be processed as a paper check. She said I would receive this in the mail no later then Wednesday XXXX as she was going to have this overnighted She said she would call me on XXXX to follow up. Friday, XX/XX/XXXX I still had not received the check in the mail. I called Comentiy/Bread XXXX and I was told by the supervisor she would email XXXX and all the managers who were assigned to my " case '' and let them know that I had not received the refund. As I was speaking to the supervisor, XXXX called me and left me a message saying she apologized for not getting back as she left work early Tuesday. She is not able to call anyone unless she is granted permission. I called on XX/XX/XXXX, spoke to another supervisor and they said that my dispute was received on XX/XX/XXXX, and that she did not see any refund. As I was speaking to her I saw yet another charge on my account that showed " refund '' but in another positive amount this time it was for {$2100.00}. I asked her why my refunds were showing up as a charge and not in a negative amount? She said that the dispute department would look into this and would see all of their case notes. She said she could not give me a date on when I would receive my refund but apologized for the constant misinformation I was receiving and for also not being able to let me know when I would receive my refund back. She also told me she would follow up with me on no later then XXXX NO ONE CALLED ME BACK. I called again today XX/XX/XXXX as I was told that there was nothing they could tell me other then my dispute was now received on XX/XX/XXXX and that it would take 30 to 60 days for me to hear the resolution. Not saying I would or would not receive my money back. This agent then told me to " Stop wasting my time and calling as it would not change the current status of my account ''. She also went on to say that " Even if I spoke to her manager that it wouldn't change anything as they would not be able to tell me anything or help me as we just have to wait until the dispute has been resolved by their dispute department ''. I told her that I will be calling back an I have the right to since you have over {$2000.00} of my money. I said that it was ridiculous they are collecting interest on my {$2000.00} during all of this time and that in 30 to 60 business days from XX/XX/XXXX, would put me in XXXX just for a response. Not to mention it would probably not be until XXXX I would receive my refund. This is absolutely the most ridiculous situation. When someone does not pay a creditor they are called if not daily asking where their money is and if they do not receive it they charge late fees and more interest on the amount owed to them. Here I am someone who overpaid and I can not get my money back. No, I get to make phone calls and be on long wait times to speak to someone and get no further ahead. I then get to deal with their broken computer system they are using that charges me every time they try to issue me a refund. Then when I do not pay this {$100.00} minimum payment due XXXX, I will have a late fee and interest charged to my account. No company who holds your money hostage should reap the benefits of making interest off of you- this should be paid to the card holder!
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/XXXX we purchased furniture from XXXX in XXXX, WI. The total cost was approximately {$8000.00}. We opened a house charge account though XXXX XXXX to finance the purchase and take advantage of 0 % interest. The account is in my wifes name. Over the next few months we paid down the account while waiting for the furniture. Each time a piece was delivered it was defective. I can provide more details if needed. XXXX sent technicians to verify the condition ( but in the case of our dining room table, it was so badly damaged upon delivery that the driver started the process for us ) and replaced the damaged furniture with pieces that were either also damaged or just fell far below the advertised quality and the price we paid. In XX/XX/XXXX we threw up our hands and sent everything back for a full refund. But we still do not have our money! Our charge account shows a XXXX balance but theyve not yet sent us the money we paid, which was over {$6700.00}. The customer service call center is overseas and my wife, who has spent hours on hold or on the phone, has legitimate concerns over whether they understand the need to refund our money.
Company Response:
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A