Date Received: 2022-08-04
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 filed my complaint on XX/XX/22, XXXX XXXX XXXXXXXX responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). Additionally, the aforementioned customer REQUIRES the following : CB/VICSCRT XXXX
Company Response:
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Problem when making payments
Subissue:
Consumer Complaint: XXXX dollars XXXX dollars, XXXX dollars lots of day they did this but everytime they say sorry our website is not working properly. It was always a excuse. And charge hundreds of dollar.
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: It started back on XXXX when Comenity Bank failed to apply our electronic payment. I called and found out that they had updated their software. And it took them longer the expected. They finally aplied our payment on XX/XX/XXXX. So on XX/XX/XXXX we arranged for our next payment to be made. This payment wasn't apllied until XX/XX/XXXX. Resulting in a late fee being applied to my account. Now I have been on hold for well over an hour waiting for someone from their customer service department to pick up. I shouldn't have to call monthly to fix these problems.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received several calls from this company " Commenity Bank for XXXX XXXX XXXX XXXXXXXX ''. I have returned their call and was told that my information was not listed on the account, as well as the information for my son who has the same first and last name but different middle name. I gave them DOB and last 4 of SSN for both of us. I was old today that the specific name on the account is XXXX XXXX but with a different DOB, SSN, and address. The representative told me that they essentially fish for a possible phone number for the person on the account and call it. I have asked them to remove my number in the past and they have evidently not. My son and I have never had an account with Commenity for XXXX XXXX XXXX XXXXXXXX.
Company Response:
State: IA
Zip: 52732
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: had a Victorias Secret card forever. Tried to use it at Victorias Secret in XXXX XXXX and was told I would have to apply again. So I did and it was approved immediately. I spent XXXX on XX/XX/XXXX and paid the full amount on XX/XX/XXXX. Then on XX/XX/XXXX I charged XXXX and paid the full amount on XX/XX/XXXX. I then received a notive in my email that the account was on hold and that there was suspicious activity oon my account. When I checked the account, there was no suspicious activity on it, so I called the customer service number and was told I would have talk to the fraud department and I was connected to them. I told the man who answered that there was not any suspicious activity and he told me that I would have to send them a copy of my Drivers license front and back and a copy of my social security card front and back. I told him that I had never been asked for these items before and he said I had to do it or they would cancel my account. Since I have plenty of credit cards I didn't really need this one so I didn't sent the requested items and they cancelled my account. Then I went to XXXX XXXX XXXX and bought my flooring and had to apply for their card. So I did and it was approved right away again. This was also with Comenity Bank. on XX/XX/XXXX. for XXXX. I got a promotional deal for no interest if paid in full by XX/XX/XXXX. On XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX XXXX I paid another XXXX. I have never been late with a payment and I am paying more each month than is being required and now I am told that this account is cancelled. With all the scams and fraud going on right now we should never be asked for the information that they are asking for. They seem to be a little crooked themselves. I really don't need either of these accounts but I certainly think Comenity 's credit department should be investigated. Thank you for your time.
Company Response:
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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: I purchased furniture from XXXX XXXX XXXXXXXX in XX/XX/2022 but because of extended wait time to received I cancelled my order in XX/XX/2022. I was issued credit from XXXX XXXX in the amount of {$3500.00} to my Caesars Reward credit card ( COMENITY BANK ) the same credit card I initially used. I was told to give 1-3 depending on my credit card company to get the credit. As of XX/XX/2022 when I called to check it now shows that amount that should have been refunded to me now shows a charge. I have reached out to the bank weekly in an effort to get this resolved. In XXXX I reached out in an effort to find out status and originally COMENITY BANK saw as a credit and a credit was to be issued but it never was. I just called today spoke with XXXX XXXX # XXXX with COMENITY BANK when ask if she could escalate she advise there was no one over her. She was very rude and condescending took no ownership of this bank error. Previous agent stated all this was because of system upgrades. Why should system upgrades effect customer for several months. I need help!
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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: So let me explain what happened... I made a purchase ... On my XXXX XXXX credit card... I then returned ALL items... which wasn't the issue... BUT she credited my very first card from there ( that I no longer have ) so the second card is the one I used to purchase items ... and she returned them to the WRONG card .... so that's the issue... I should have no balance! But then would t I have a credit to the card I don't have anymore... so weird... I'm not even worried about that... I just need this GONE!!! I also have the receipt of my returns
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A bill was received on XX/XX/XXXX from Comenity bank for credit card charges made on XX/XX/XXXX for a total of {$190.00}. I have not used this card since XX/XX/XXXX. The charges were fraudulent and I have spent over XXXX hours on hold trying to get in contact with someone on the Comenity Account Protection team. No one is available to assist ; just hold music and " we are sorry all of our representatives are still busy... ''. No matter what time of the day I call, I have to sit and wait for hours with no response. .After some research, it appears that there has been issues with this company since XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for an XXXX credit card that is issued through Comenity Capital Bank. This is a credit card that can only be used for medical bills. I applied because I needed XXXX XXXXXXXX. I was approved for a {$8800.00} credit limit and was given XXXX options to pay off the debt. XXXX option was a 24 months payment plan where the card would be paid off in full in 24 months with no interest. The second option was for a longer term with lower monthly payments but I would have to pay interest. When I applied they website showed be a chart with the payment amounts that would be due for each plan. I chose the 24 month plan. I started making payments and for at least the first year and a half I paid more than the minimum amount due. The minimum payment each month was lower because I was paying more than the minimum so I thought I would be able to pay the loan off early. I received an email from them telling me I had to pay off the balance by XX/XX/2022 to avoid paying interest and the balance at that time was over {$3000.00}. My balance now is {$8100.00} which means I owe almost as much as the original loan amount after 2 years of payments. I agreed to their 24 month payment plan where they set the payment amounts which they said would pay the loan off in 24 months. They obviously lied to me and set the payments lower than what would pay off the loan on time. They did not tell me the loan would not be paid on time if I only paid the payments they set. I would have made bigger payments if I knew the loan would not be paid off in full on time. I didn't know this because they set the payments. They even compared the XXXX payment plans side by side showing me the 24 month plan with no interest vs. the longer payment plan with interest. My monthly payment went from {$130.00} in XXXX to {$280.00} in XXXX. I can not afford these payments now. This company obviously lied to me that the payment plan they gave my would pay the loan off on time with no interest owed. There is no way I should owe them interest when they lied to me about the payment amounts. They are obviously doing this to other people if they did it to me. How many people have been blindsided by this like I was?
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A