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: I have made multiple attempts to find out if I have a Wayfair bill, and if there is a balance owed on this account. However each time I was unsuccessful. I have not received a bill or statement in the mail since XX/XX/2022. When trying to log into the website to see if I had a balance, or why I was not receiving any mail from Wayfair it would tell me that there is no account by the information I was giving them. I tried multiple different ways ( username, account number, social security number ) but no matter what i entered I was told that there was no account. When I went to apply for a mortgage in XXXX I had noticed that there was a delinquency showing on the credit report, I tried to call the phone number that I had but they told me that I had no account with Wayfair. Finally, on XX/XX/XXXX after spending many hours doing some research, I was able to get a representative on the phone. The representative told me that I had an account in the past but it was showing a XXXX balance and there was nothing that I needed to pay. He then contacted a supervisor because I did not understand how if I had a XXXX balance why there would be a delinquency showing on my account.This situation is very deceptive because their own representative is telling me that I do not owe any money. After speaking with the supervisor he told me that there was some sort of problem in their system from a change that they had made not too long ago and that this has also been a problem for other people as well. He gave me a XXXX XXXX mailing address to send a letter asking someone to reach out to me so that I can get further help with this problem. I sent a letter to Wayfair on XX/XX/XXXX but still have not even heard anything back from the company. This is unfair because this is preventing me from being able to purchase a new home. This is abusive because I have now suffered from a damaged delinquent account on my credit report. I feel that I have been patient enough in waiting for someone to respond to my previous letter that was sent almost a month ago. It seems that no one has an answer as to why this happened and i feel that they have not helped try to resolve this issue at all.
Company Response:
State: PA
Zip: 190XX
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: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I called XXXX XXXX XXXX about having to miss four payments. I felt that didn't show empathy, and was rude. From XXXX to XX/XX/2021, due to going through a difficult divorce. The spouse left the residence and left me in a financial bind. From XX/XX/2021 to Currently I haven't missed a payment. All I am asking to revive the four late payments off my credit report. Thank you for your time and consideration.
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a line of credit with Zales Outlet in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the entertainment district for the city and the entire city was shut down leaving me with no work. I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. I now have the interest fee on my credit as a negative balance of XXXX from XXXX XXXX XXXX. I am not sure if they sold the account to someone or what happened as I have not heard anything from them.
Company Response:
State: MO
Zip: 64130
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX I made an online purchase using Commenity Bank 's XXXX 's credit card. ( Acct. XXXX ). The package arrived in a XXXX 's box. I checked online for the charge ; it never appeared. When I spoke to a Customer Service Rep., I was told I had a XXXX balance. Today, I received a collection call from Commenity Bank 's XXXX 's credit card. I was informed that I have an overdue balance of {$76.00}, which includes a {$27.00} late fee. No one could explain why the online XXXX 's purchase was charged to my XXXX 's account ( XXXX ). I will pay the cost of the items and the minimum interest. I dispute that I owe a late fee as the items were changed to a different vendor without my knowledge. I have spent hours on the phone in an attempt to resolve this matter. Customer Support personnel are very difficult to hear and to understand. Moreover, my multiple requests to speak to a supervisor resulted in a retransfers into the extended-wait-time queue.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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: 1st complaint I have late payments on all 3 credit brureaus from Creditor = Comenity Capital bank/Ulta in 2020 I lost my job due to COVID- I explained to the creditor the hardship that I was going through, they stated late payment were going to be forgiven, but I recently started to monitor my credit and I noticed my late payments were reported to the credit Bureaus, I called ulta and they directed me to dispute it to the credit bureaus I submitted dispute letters and explained that I went through a national disaster and I checked the status of my dispute letter and they were not deleted so I am asking for help about this.
Company Response:
State: TX
Zip: 75150
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a written documentation on XX/XX/2022 and have called several times prior to this written documentation. I sent a follow up formal notice on XX/XX/2022 after no response or acknowledgement. No one has followed up and today I am being told by representative that it will take 90 days at least to resolve the dispute and it is frozen. I have advised them that their inaccuracies and billing error is causing significant delays in my ability to use my credit effectively and they are advising that there is nothing that they can do. No one has been able to provide suffice documentation or verbal assistance and I have waited over 60 days to get this resolved.
Company Response:
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a XXXX XXXX XXXX card ( through Comenity Bank ) at the store when I bought jewelry in or around XXXX. I consistently made payments on the balance. When the pandemic hit, I experienced financial difficulties, so my social worker helped me negotiate a payment plan with Comenity Bank. I began making payments pursuant to the plan. In XX/XX/XXXX, I received a billing statement, indicating a total balance of {$1200.00} with a payment due date of XX/XX/XXXX. I was able to pay off the entire balance at that time so I called Comenity Bank. The Comenity representative on the phone confirmed that I could pay off the balance and owe nothing further to Comenity. I immediately went to Kay Jewelers to do so ( XX/XX/XXXX ). Despite paying off my entire balance by the due date in XXXX, I am still being charged interest and late fees on my account. I disputed this with Comenity, but they claim that this is valid because I was not eligible for a grace period. I was paying pursuant to a covid hardship payment plan and dont understand why they are doing this. I am an unemployed XXXX senior trying to survive on social security alone. This has been particular stressful for my health. My local Legal Aid office assisted me with completing this complaint. You can contact attorney XXXX XXXX for any questions at ( XXXX ) XXXX.
Company Response:
State: CA
Zip: 93454
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened bluenile credit card which is corporate with comenity capital bank! That card is 12 months no interest and the credit amount is XXXX. I used all XXXX purchased diamond ring for my wife and I make payment every month on time. The no interest promotion end date is XX/XX/2022. My last payment is on XX/XX/2022, that day my remaining balance is only XXXX usd. On XX/XX/2022, I was trying to make the last payment XXXX. But their system is down. And then I was trying to login to again and again. Their system is still down and XXXX cant make payment online the whole XXXX. Even in the beginning of XXXX, their system is still down. Last night, XX/XX/2022, finally I was successfully login to the account and their system is back. I was shocked and surprised I was charged the interest fee which is XXXX usd! And my balance is only XXXX, but interest fee is XXXX. And its not my fault its because their system is down. I was calling the customer service they said they cant waive the interest fee because I didnt pay off all the Balance before XX/XX/2022. They are robbery my money and even not talk nicely just keep saying that they cant remove this interest. And keep saying that I can calling them to make the payment of last XXXX. But I really dont know I can make payment by calling them when the system shows its down just waiting the system back! The bank named comenity capital bank is big scam! I connected to them and they refuse to help me! they only judge me even thats not my fault! and they not even answer my question! Ive already paid my part off today and thats it! I will not pay a single extra penny to them!
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: XX/XX/2022, I opened an 2 year CD with Bread XXXX in the amount of {$40000.00}. The next day I called to see if I could cancel the CD. The customer rep said I could because the funds have not been transferred and he cancelled the CD. A few days later I check the account which I do have another CD with Bread Savings and saw that the account had been funded and the CD opened. I thought I had been too late to cancel the CD. This was not a problem for me. I would leave the CD for the 2 year period. A few weeks later I checked my 2 CD accounts and there was only one. I then checked my bank account in which I had funded the CDs with. Bread XXXX had refunded my account with {$39000.00}. They had charge me with the penalty of {$590.00}. I called Bread XXXX and explained that the CD should have be left opened or the full amount should have been returned. The Cust rep referred it to another group and said they would contact me. A few days later They said based on there investigation no errors were made. I have been emailing them using Bread XXXX 's Site. They will not respond anymore.
Company Response:
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Incidence Date : XX/XX/XXXX Company : Express credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : XXXX request for reversal of XXXX payment Made via mobile app. ( Overpayment account is now in negative XXXX ) Called again XXXX for refund Called XX/XX/XXXX for refund that has still not been received no help with representatives *I also tried through XXXX bank but was unsuccessful
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A