Date Received: 2022-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges. XX/XX/2022 XXXX XXXXXXXX XXXX XXXX TX {$94.00} Thursday, XX/XX/2022 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$94.00} I am also unable to use my account and they are changing me interest on the fraudulent charge. I have attempted to call multiple times no one answers, I have sent a request via online- no response and have tried to reach out via social media and private message and was only told to call. They claim they were not hacked but a large group of us were met with fraudulent charges on our accounts during the system upgrade and there has been no assistance for Bread / Comenity.
Company Response:
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: HI Victoria Secret / Cb ; Hello and sorry, I'm little confused that you even allowed to mark me late on XXXX 2022 for 30 days during covid19. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.
Company Response:
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2022, I received a letter from Comenity Capital Bank ( XXXX credit card ) informing me that they had charged off my XXXX account and sold it to XXXX XXXX XXXX ( XXXX ) for collections. On XX/XX/2022, I paid off the entire balance owed of {$2200.00} using my bank debit card. On XX/XX/2022, I received a letter from XXXX stating I had a XXXX XXXX balance on my XXXX account. I spoke with XXXX and they told me that I paid off the debt before they were able to report the collections to the credit bureaus, so therefore they don't have a collection line item to update and they would not be able to update the Comenity Capital Bank credit bureau line item. When I called Comenity Capital Bank, they tell me that they no longer have the account and that I will have to resolve the credit bureau update with XXXX. So, no one at either company is willing to update my credit profile to reflex the balance has been paid in full.
Company Response:
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XXXX of XXXX of purchased a ring from XXXX XXXX. I was going to pay cash they insisted i use credit and received 18 months no interest. Reluctantly i agreed. What a mistake this was! I began automatic payments of XXXX a month This would ensure my ring was paid off prior to the 18months. I purchased a second ring in XXXX of XXXX. In XXXX of XXXX my balance was XXXX, my automatic payment of XXXX came out as scheduled. I didn't realize there would have been a XXXX balance, if I did I certainly would have paid it. My next bill i received was for XXXX! XXXX added the interest of XXXX percent from day one the entire amount of both purchases over a balance of less than XXXX! this is how they reward a good paying loyal customer who chose XXXX XXXX over many other shops! i have called them to explain the oversight figuring of course they would take care of this. All that yielded me was a big headache and a waste of 2 hours on the phone with three different people saying they can't help me. this is an unfair business practice. if they were to charge me, they should be charging me on my second purchase not the first that would have been paid in the time frame. But look at the whole picture we are talking a matter of a few weeks and I'm told they won't do anything about it. i completely understand the technicality they are getting me on, it's very clear to me after seeing my new statement and have three people explain it over and over rather than to try and keep a good customer happy and say yes, we will work with you here. I also explained to them that i am unfortunately receiving XXXX and i am having a XXXX XXXX for XXXX in the next month. No one would help all i got is this is our policy. XX/XX/XXXX balance XXXX XX/XX/2022 payment XXXX total balance left would have been XXXX XX/XX/2022 statement interest added to balance XXXX New balance of XXXX! I will never shop at this company again and i would strongly advise against it. Not to mention two of the stones fell out of the ring 5 months after owning it.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am copying the letter I sent Comenity Bank for Ann Taylor, as it best enumerates all the issues : I want to preface by stating that my experience with Ann Taylor/Commenity Bank has been nothing short of the worst experience I have ever had with any corporation. First off, I am sending you proof of payment in full on the XXXX of XXXX, XXXX As it turns out, I was obliged to pay in person at the Ann Taylor store at the XXXX XXXX in XXXX XXXX, XXXX, as your system would not take payments. I had been attempting payment from the moment I received my first statement. I wont go into depth about this particular aspect, as your sales associates are the only aspect which recommends Ann Taylor to me at all, but I was misled about the card by an associate at the store, and I was calling to cancel the card upon receipt. As you are fully aware, the phone system said one of three things : the system was being worked on ; it stated call back later, upon which it immediately cut off the call. The call volume was very high; please, call back later. Cut off, again. Please wait for the next associate, and then Id be cut off after waiting up to forty five minutes. Of course, I have records of everything. Once at the store, I explained what was happening and was told that they could do nothing about the credit card part of Ann Taylor. I know this is true because it follows the current day template of corporate lack of accountability. At what was, I assume, the due by date to pay the card ( which I had, as I stated above, already paid in full ), I began receiving phone calls from an automated system ; not even a live person that a customer could answer : look, I paid, to, thereby forcing the customer to spend his/her own precious time on wasted phone calls. I had, in fact, called, and continued to be put on hold and dropped. I managed to speak to someone for a few minutes, in New York, but that call was dropped, and then, to someone at a call center who stated I now had a late payment. He was unable to help in any way. So, I returned to the store and begged for help. I realize they are mere employees ( cogs in the machine, as it were ), and are limited to what they can do. However, ( blank ) ( the store manager ), seeing my distress and hearing about my inability to resolve this matter, called on her own phone and we waited together for the call center to answer. Id like to add that Its amazing that even the managers have no other direct numbers to call, because the credit card bank Ann Taylor uses is just as much the responsibility of Ann Taylor as the stores are. Finally, a worker came on the line, investigated, and found no payment. However, he assured me, he was cancelling the amount owed and I would receive a letter from Ann Taylor/Commenity Bank XXXX upon which I would send back the receipts to complete the process of getting my account up to date. He said he could not cancel the past due portion because I had canceled my card (? ). But, he assured, I would receive no more phone calls. Untrue. I have continued to be harassed, because, at this point, that is what Commenity Bank calls have become. You call from all sorts of sketchy numbers, with your computer, often at early hours of the morning, waking me up and waking my mother ( who has XXXX ), who then begins the day more anxious than usual. You have no right to do this. It is unethical and harassment, I repeat. You are causing undue, and unacceptable anxiety for everyone in the household, and taking up inordinate amounts of time that I do not have to spare, which is also costing me money, as I took a day off of work on the one and only day I was able to reach someone on my own. You are also affecting my stellar credit score, which I demand you fix with XXXX and any other credit agency involved. ( Blank : store manager ) advised I ask you to, in fact. You will also bring my closed account up to date, and remove any late fees. I am sending this with your statement, as well as receipts and copies of receipts ( if the original is not enough ), as well as the part of my XXXX XXXX XXXX statement which shows the deduction of the balance of {$120.00} which the Ann Taylor store provided ahead of the so called letter, which has not arrived, if it ever will. I plan to forward this letter as a complaint to Ann Taylor headquarters ( though I dont think it will matter ), as well as to entities overseeing Ann Taylor and Commenity Bank business practices. The company changing owners is absolutely no excuse to put customers through this kind of treatment. We are not inanimate objects to fall through the cracks, and neither Ann Taylor nor Commenity bank have the right to affect peoples lives in this way.
Company Response:
State: CA
Zip: 94030
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling Comenity Capital Bank, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company CB/NY & CO XXXX , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company CCB/ALPCOS XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY CAPITAL BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft. I have submitted my Identity theft report as well as letters for debt validation. I have disputed the debt with each 3 credit bureau and they keep saying its verified but cant show how or when it was verified or the method of verification. There are no coorespondence proof with me to be shown Nor it there any proof of me owning this debt. The compant name is COMENITY CHILDRENS PLACE REWARDS. I want it removed from each credit bureau immediately please.
Company Response:
State: MO
Zip: 65101
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Getting the loan
Subissue:
Consumer Complaint: I received a call on XXXX at XXXX am in regards to a complaint I made on Comenity Capital Bank through the CFPB website. The gentleman also said that my email of discrimination was received by XXXX which is the CEO of the company. The gentleman was not very informative when I asked him questions. The call came in from XXXX ( XXXX ) XXXX and I asked him several times can I reach him on this number to keep up with the investigation. He continued to tell me no and that there was not a sufficient phone I could call to speak with anyone. He said I would just have to wait until the investigation was done. I asked him what are they investigating and he still did not have the proper knowledge. He claimed to be the assistant yet he had no knowledge of my complaint nor was he interested in hearing about it either. On XXXX I tried calling the number he called from. The number is allegedly the complaints department so he was very deceptive to state he was the assistant that worked on side of XXXX. Every single time I called the number it tells me to leave a message no one is there to take a call.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A