Date Received: 2022-08-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX I started my journey getting some much-needed dental work. Unfortunately the dentist did not do a good job and I had to ask for a refund. I used XXXX credit company to finance this. After many months of deliberation I received a refund and the Account was paid in full on XX/XX/XXXX. Several weeks before the account was paid I opened an investigation on their account page to make sure it was taken care of because the dentist was not doing his job. After seeing the account was closed I tried several times to call the company but due to some issues after a system update you can not physically reach anybody for almost a week. I was finally able to reach a gentleman on XX/XX/XXXX and he informed me that he would get the investigation closed, that was the reason I had not gotten a check yet because the investigation was still open, and a check would be sent out immediately. The {$990.00} check is the amount that I paid into the account that was 100 % refunded. I waited for XXXX weeks and still no check so I called again and was informed by a supervisor that because of the size of the check for {$990.00}, it could take XXXX to XXXX business days so just give it a few more days. Fast forward XX/XX/XXXX and still no check. I called them again and spoke to a supervisor on XX/XX/XXXX and informed her that I was told the check was on the way everything was closed and I did not receive my check. Her new story was that the investigation takes several days to close and that a check had not been sent out yet and nothing would happen until the XXXX. So I was told the investigation would be closed, I was told a check was on the way, I was told to wait several more days, and now XXXX getting a new story. And I still have no check.
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I didn't close my account! When they told me that my account was closed, I asked them to reopen it because I did not close it! They continue to tell me to go in store to apply... I told them the closest store is 2 hours away and then all of a sudden today ( XX/XX/XXXX ) I get a letter in the mail stating my account could not be approved... I never reapplied because it won't allow me to... It states that my account is still open and I already have an account... When I sign into my account it says I have {$250.00} available in credit. So they checked my credit without my permission!!
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone was supposed to handle this situation.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: my card was showing XXXX message at the pump at XXXX is is a logo card for the wholesale store and is a membership card and a credit card through comenity capital bank. I called the XXXX # on the card several times starting XX/XX/XXXX. They said it was a system issue and should be resolved. I called again on the XXXX and they said it will be resolved on the XXXX,,, i tried again and it still didnt work same XXXX message. Both times the attendant at the gas pump said i must not have paid my bill. Each time i call they sauy there is nothing they cand do. I asked to have a Super call me and instead had to wait XXXX minutes since they dont make outbound calls. I called again on the XXXX and was told there is nothing they can do, In the meantime, it cost me an add'l XXXX per gallon at the XXXX XXXXs pump and I have to use another card. I shouldn't have to pay a fee for this abuse. And they should make it up to me for the loos of time and money this inconvenience has caused. As i write the card is still not fixed. And they say don't worry you are not the only customer impacted there are lots... .this is unacceptable
Company Response:
State: FL
Zip: 32953
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The Comenity Bank who is the provider for our XXXX XXXX XXXX XXXX My BJ 's Perks Mastercard has been having " system '' and " computer '' issues for the past month. Apparently, they were doing a system update and it did not go as planned. I have not been able to log into the website to check our account or make payments. When we call the number on the back of the credit card we are on hold for an extended amount of time. When we are able to get a hold of someone they can not access our account either and just say call back later. Also, there were fraudulent charges to our account at the beginning of XX/XX/2022, which caused Comenity to close our account and issue new credit cards. My wife received her new credit card but it was the wrong rewards level. We called and after being transferred and disconnected were able to get a hold of someone who said the rewards will be calculated correctly. It took us almost a week to resolve this issue. The one time I was able to log into our account online, approximately the week of XX/XX/XXXX, I sent a secure message about these issues but have not heard back. I have not received my new credit card yet. When we are able to finally get a hold of someone they said there are issues with the provider. Also, we have had to use our debit card to make purchases missing out on rewards and the {$0.00} off of gas at XXXX XXXX XXXX XXXX.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019, COMENITYCAPITALXXXX added a derogatory mark on my credit report per XXXX. This account does not belong to me and should not be reported on my credit report. Upon further research, this account has been transferred and sold multiple times. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, COMENITYCAPITAL/XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid the statement balance on time in full ontime I want the additional money they charged me over the product purchase price. Then the company sent me a notice saying it was late I've been called in again and the guy said he was going to waive the late fee and I would pay the statement balance and he told me how to put it on auto pay. There's only ever been one purchase on the card, it was already supposed to have been paid off once and then they waived the fee after they mistakenly said that it was late and then paid it off again. Now I keep getting text messages now saying I got a {$120.00} bill for the same thing it's already been settled twice, then they said they'll wave the late fee and charge me {$89.00} Then I was like wait a minute what are you talking about this original purchase at this store was just {$22.00} and change and already paid in full. The fact that they already had my payment information is the evidence that I never was late. Each conversation we talked about paying the entire statement balance and each time they would just send a new bill, then I would call back and they would say that they're waving the late fee and going to pay the statement balance and the one time they did charge me was for {$35.00} which is not what we spoke about it was supposed to be the purchase price of the product. I want my account closed down and I want any additional money that I paid over the purchase price for the product back. When they had sent the last two notices, after it had already been settled twice I tried to call the phone number on the credit card and the number just had this answering machine message saying their phones were down and this was for two different calls over the course of a month during XXXX mostly This company is very deceitful and should be closed down.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 my bank sent an electronic transfer to Comenity Bank for my XXXX XXXX in the amount of {$1100.00}. The payment was never applied to my balance. I have filed a missing payment claim and also proved Comenity with the electronic transaction information including the trace and batch numbers. As of today it still has not been applied. Getting a hold of customer service is a joke and no one can give me an update. Messages sent through the on line message center are taking 4-5 days for a response. I am being told it can take 90 days for it to be corrected which is an absolute joke when Ive provided all of the info to track the transaction.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I received a bill for a credit card I do not have. My address was written wrong and I am being charged {$33.00} from Comenity - XXXX XXXX XXXXXXXX. I've never heard of them before. I XXXX them online, they seem to be legitimate but they got one star reviews for fraudulent and it seems they make their money from interest. I am assuming these reports are from people who have the card at hand. I don't have anything to prove that I opened an account with Comenity.
Company Response:
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Company has called me over six times in one day, multiple times in an hour. There is then nobody on the call when I pick up. This is extremely disruptive.
Company Response:
State: NH
Zip: 03079
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A