Date Received: 2022-07-30
Issue: Getting the loan
Subissue:
Consumer Complaint: My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent Comenity Bank a letter due to an adverse action MONTHS AGO and I have yet to receive a response what's so ever. Please see attached documents as it contains my full complaint and requests.
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data breach COMENITYCAPITAL/ULTA Acct # XXXX is not my account
Company Response:
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity All rewards calls me 4+ times a day to collect on a late fee. The calls are non-stop and can occur within 20 minutes of each other. They also call on Sunday mornings. I told them I placed a check in the mail but they still call me.
Company Response:
State: MI
Zip: 48116
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
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: XXXX XXXX XXXX XXXXXXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. COMENITYBANK/VICTORIA Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. XXXX This account is reporting two different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In XX/XX/XXXX I ordered new XXXX and opted for having them financed. On XX/XX/XXXX I was XXXX for a month and a half and unable to handle my personal affairs. When I finally received the bill it was a few days past the due date so I sent a payment for the total of the bill of {$2900.00} on XX/XX/XXXX. In XXXX I got a late charge bill for {$60.00} and remitted it to Comenity XXXX XXXX XXXX I transferred {$60.00} through my online banking on XXXX and on XX/XX/XXXX my {$60.00} was reversed and returned to me. I am tired of receiving phone calls SEVERAL TIMES A DAY and most are from a different number for the same company. As a side note..I did not receive my dentures until XX/XX/XXXX. I am getting between 3 and 5 calls per day and if I answer I only get a recording. I have called several times but nothing has been resolved except the last call I was told if I sent {$50.00} now they would stop the calls. I replied that they would just return the payment so I was not going to send it.
Company Response:
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Last week my Comenity XXXX XXXX card stopped working ( all transactions declined ) with no notification of any kind from the company. I tried logging into my account online and it said username/password were incorrect ( they were not ). I then tried to use the " forgot username or password '' link, entered my card #, zip, and last 4-digits of social and was told there were no accounts that matched that information. So my account was either locked or closed without my knowledge, and I can not contact Comenity Bank via email, phone, or even social media. I want to officially close my account but I can't contact anyone at Comenity to do so.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I was made aware via incoming mail that a BJs visa master card has been opened and established under my name ( balance amount : {$4300.00} ). I did not apply, sign for or authorize the creation of this account and further am not responsible for any of the charges made to said account. On XX/XX/XXXX, I dialed the number listed on the statement and informed representative XXXX XXXX XXXX in the fraud department of what had occurred ( phone numberXXXX ). I was informed by XXXX that they froze and canceled the account today ( XX/XX/XXXX ). Furthermore, I went to the XXXX XXXX Police Department ( 3rd Precinct ) and filed out an identity theft report ( CC # : XXXX ). Please advise on next steps with regard to this matter.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Checked XXXX Credit Report on XX/XX/XXXX following discovery on XX/XX/XXXX that my identity had been stolen. ( Note that I submitted a police report following discovery of identity theft. ) When I reviewed my XXXX Credit Report, I found the following credit card on my report that someone else opened in my name : Account info Account name COMENITYCAPITALBANK/XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$140.00} Terms NA Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX I submitted a dispute with XXXX, and all they did was to add the notes : Your statement I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Company Response:
State: PA
Zip: 18966
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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 have a store credit card from childrens place I have had for years I rarely use so I usually have a XXXX balance. So knew something was wrong when I got mail from them last week. With two charges, on XX/XX/22 Purchase for XXXX and on XX/XX/22 a purchase for XXXX. I immediately called childrens place and they transferred me to comenity bank, they claim they will do an investigation and send me something in the mail. I havent received anything from them. Then I checked complaints online, apparently Im not the only account that has gotten charged without my knowledge. And I waited for an hour just to speak to someone on the phone I have called 3 times. They cant tell me where my card was used or what was bought.
Company Response:
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX To whom it may concern, I would like to file a complaint against Comenity Bank. I have a credit card with BJs XXXX XXXX which goes through Comenity bank. History of Complaint During the week of XX/XX/XXXX, I tried to buy a TV through BJs app and online, but I kept getting a message to confirm my payment method. I did, and all info was correct. I tried for a few days with same results. On XX/XX/XXXX I called to complain about this and was told they were going through a system upgrade, and that if I waited until XX/XX/XXXX, it should be okay. I tried to make a vacation payment on an XXXX on XX/XX/XXXX but my card was still unable to make online purchases -- but was able to make in-person purchases. During the week of XX/XX/XXXX my XXXX online payment had been denied. After returning from my trip on XX/XX/XXXX, I called to complain, and the online greeting went through my account info and said I had not made a payment since XX/XX/XXXX for {$2100.00}. When the online representative came on, I told her that I had made a payment on XX/XX/XXXX of {$2500.00} and I asked her, where is that payment? She told me they were having problems with the upgrade, and that I should go eat dinner and not worry about it, that it would resolve itself. I know she meant well, but I told her that I wanted a record of this phone call on my account, and that I needed to speak to a supervisor. She put me on with XXXX, who tried to help me by attempting to file a dispute on my behalf. He told me of all the problems the upgrade has been having, and how they are working around the clock to fix it. He also was having problems with his system, and tried repeatedly to log the dispute but could not, so he asked me to call back in 24hrs. On XX/XX/XXXX, I called in and again asked to speak to a supervisor. I spoke to XXXX XXXX ( or XXXX? ), and she was quite emphatic that I had to go to the bank and provide proof of payment. I went to my bank, got proof of payment, and also sent it certified mail, along with a bank statement and a history of the payments that I had made, including the XX/XX/XXXX payment to their Billing Dispute office in Ohio. Meanwhile I kept getting what I thought were spam calls from Ohio. However, when I returned their call, I had reached Comenitys billing department -- which insisted that I make a payment. I told them I did make a payment, but they lost the money, and that I had sent them proof. They had picked up the certified mail on XX/XX/XXXX. On XX/XX/XXXX, I received two credit card statements in the mail. One for my current card, and a 2nd one for an old canceled credit card with them with a credit amount on it of {$2500.00}. There was my missing money -- they had put it on an old canceled card. I called them again, and spoke to supervisor XXXX. He tried to help me, but the system said he could not access that old account, so he transferred me to someone who could at Customer Cares. I talked to XXXX at Customer Cares, who also could not help, so he transferred me to Customer Service, who told me to call back during business hours. I called on XX/XX/XXXX and spoke to XXXX, and told her the problem. She told me that this is an ongoing problem that since the upgrade, that for some reason payments are being put onto old cards. She said that its a known issue, and that I would not be reported to the credit bureaus or accrue interest. She said that if I wait a week, it should resolve. To cover my back, I did make a payment of {$100.00} on XX/XX/XXXX, and it went through. On XX/XX/XXXX, I called again and, after an hour of being on hold, I talked with XXXX, who told me that they are still having problems, and that I still need to wait, as she did not have access to the dispute department. Then I asked to speak to a supervisor, and XXXX told me nothing could be done, and asked me why I needed to speak to a supervisor. I told her that this has been going on for more than a month, which was not acceptable, so I needed a supervisor. She finally relented and put me on hold. After being on hold I spoke to XXXX who I previously spoke to on XX/XX/XXXX. He remembered me and tried to access the old credit card account, but could not. He told me he was sorry, but there was nothing he or I could do but to wait until it resolves itself. I told him that I would have to file a complaint, and to please help me on this matter, as it had gone on way too long. I am filing a complaint against Comenity Bank, and I am asking for your assistance in getting the issues of my personal credit, lack of access to my credit card and history, and my misplaced payment resolved ( with no damage to my credit rating or history ). I am seeking advice, legal counsel, resources, links, or intervention that can get this matter resolved as soon as possible. Quite frankly, I do not have the time or patience now to deal with being passed around to person after person and countless departments at Comenity Bank. Ive lost precious time and many hours on the phone trying to resolve things politely and respectfully on a problem that I did not create. Ive done everything Comenity asked me to do, with no resolution or answers -- not only me, but countless other customers. I welcome any questions, requests for documentation, or further information that you may need. Thank you for your time and attention to my problem. Sincerely,
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A