Date Received: 2022-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, XXXX, XXXX, XXXX as well as XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I have tried accessing my account online to make a payment, only to be told I can not access my account due to a system update. Im unable to check my balance, make a payment, check my card for fraudulent purchases, or cancel my card. Now the website suggests XXXX, which does not work. Ive tried to enter multiple times and the page never loads and then says it can not be accessed at this time. If I call, it says it will connect me to an agent and then the call disconnects. Ive tried all the company suggestions multiple times and nothing works.
Company Response:
State: IA
Zip: 513XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
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: Called XXXX XXXXXXXX XXXX bank and informed them i have not received my paper statement in the mail to make a payment. All the years I had this CC I have always mailed in a MO. When I called the XXXX the automated message stated my bill was like {$2400.00} and It should not have been that much. Long story short spoke to a fraud rep someone was using my CC and the lady stated she was going to put in a dispute and take 90days and will mail me a new CC and will have no late fees and and changed my email and phone number back to the original one I had when I opened. I was sent a new CC and try to register the new CC on line and it stated wrong email address and I have still not received my paper statements to make a payment. I have called the CC people on XXXX got hung up on several times I have called at least 10 times and all the reps have not helped me. When I do get a live rep I give them all my info and they still can not assist me, they stating that my email address and phone number are wrong again and I thought I had cleared this all up last month when I talked to the Fraud dept.. I guess not. I need some assistance on this ASAP, I am not getting no help at all or even a call back since I have got disconnected so many times. Customer service is rude and not helpful at all, if they do this to me just image all the other customers they do that too. All I want is to receive my paper statements and all my contact info to be correct since someone stole my Identity and used my CC. I am on the phone now XXXX and someone is stll using my CC nothing was ever changed like I was told it was. Thank you
Company Response:
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had an XXXX XXXX XXXX XXXX card with XXXX Bank for five years. The account was set up to make the minimum payment automatically if I didn't schedule a payment myself. At some point in the last few months the account was sold to Comentiy Capital Bank. I did not receive any info regarding this or a new card. I checked my credit report last week and found that this account is now two months past due. After some research I found out about the sale of my account and contacted Comenity. Until this issue with Comenity I had 100 % perfect payment status on all credit bureaus. Comenity was unwilling to fix this situation. I do not have a card from them or access to manage the account. I was never told that my auto payments would be cancelled and that I would have to set them up anew. I have no issue with paying my bills.
Company Response:
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We just opened a mastercard through community bank. We made a few small purchases for gas and BJ 's warehouse and then used it for a catering service. I tried calling to pay for these purchases right away on XX/XX/XXXX. I could not access my account online or via phone. I was repeatedly disconnected after hearing an automated service each day I called. I was not able to access any part of their website. I continued to get " there's a glitch in our system '' responses. I wanted to make sure I knew our account balance and paid it in full ASAP. We do not like to carry any sort of balance and I just opened the card to have as an extra form of payment for an upcoming vacation. I was finally able to make an " XXXX XXXX '' payment on XX/XX/XXXX. My total balance was XXXX. I paid that amount. I received XXXX emails in a row stating that my payment was scheduled. It has not posted to my bank account yet. I also have XXXX new pending charges that I can not find any information on. I tried calling again this morning ( XX/XX/XXXX ) only to hear an automated voice tell me I have a XXXX balance and {$7.00} pending???? I can not find out what or where these charges came from and can not speak to a person. I am beyond frustrated and can not believe the poor communication on the end of Commenity Bank.
Company Response:
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
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 fails to update payment history correctly on trade-in in stead after 4 attempts they deleted the payment history in the trade line for THE LIMITED. Attachments included for your review. Multiple Violations of the FCRA 15US CODE 1681 ( i ) ( 5 ) removal of inaccurate/invalidated Credit Information and 15 us CODE 1681e ( b ) violation of California Consumer Law by failing to provide proof of how the disputed information was investigated, as of this date no proof provided instead they continue to report the errors on the account. FCRA Section 605 ( a ) ( 5 ), Section 605 ( c ) ( 1 ) When does the 7 yr period begins, the estimated date reports until XXXX if no payment history is available or known. Per the most recent reports, it shows all Xs. Comenity Bnak refuses to provide payment history because they do not have the records and they have violated the policy of FDIC, IRS AND OCC that requires credit cards to be charged within 180 days, they are reporting false payment history with the intent to rage the trade line and charged off at approximate 420 days instead 180. Continue to add late fees and charged interest in order to justify adjust their losses of the management of their portfolio. FDIC regulates this bank directly and the parent company Alliance Data Systems.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was shocked to go into my XXXX credit card account and see that I have " XXXX '' open to buy. They took my account from {$900.00} credit line to {$0.00} without notice or explanation. I have a credit score of XXXX and have NEVER had a late payment. I reached out to customer service via email and they simply stated that they needed my permission to review my credit report to reinstate the credit line. Well, they certainly never contacted me to see if they could review my credit report to lower the credit line. By law they can review accounts periodically to assess the account and adjust the credit line accordingly ; however, they could not have followed the regulation in the matter of account assessment to have acted as they did. By lowering the account credit line to " XXXX '' they had a negative impact on my overall XXXX XXXX. I do not need the account, and {$900.00} is paltry in comparison to my major credit card lines of credit. It is the fact that they arbitrarily decided to impact my credit scorXXXX, without consideration of the regulations that are in place to assess accounts. They do not need my permission to review my credit score to evaluate an open account on their books. They have a " permissible purpose '' to do an account periodic review. I had them close the account so that it would report as " Closed by consumer '' in order to save my credit history and score from being further damaged by this abhorrant action. If I did not have as high a credit score, had it been perhaps a XXXX instead of over XXXX, this could have impacted much worse and any loans sought would have resulted in higher interest, or even rejection of a loan. This type of behavior has to be addressed within the regulations on the books. Again, had they did a legal review of accounts, it would not have resulted in a reduction in my credit line, damaging my score and causing me to close the account. Ridiculous that they do not follow the regulations and guidelines for 'permissible purpose ' and periodic account review.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: This letter is regarding account # XXXX, which you claim This is not my account. This is a formal notice that your claim is disputed.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Logged into my XXXX account to pay my bill like normal. Noticed there was no link to my credit card account as there usually is. Poked around the site and Followed Pay My Bill link, couldnt get through. Decided to call comenity, automated system lead me to a message that said to try again later and hung up. Called XXXX customer service and all they could say was they were aware of the issues but it was up to Comenity and to keep trying XXXX XXXX ( Ive had multiple failed attempts on that platform ) or you pay in store. Any attempt to reach Comenity just ends in the same automated messages on social media and telephone. It seems like this has been an ongoing issue, with no real communication to their consumers.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Comenity Bank, I can not use or access any of my Comenity accounts online due to a " system outage. '' I am on auto-pay and none of the payments have been automatically made, either. I'm receiving emails telling me I have more time to pay, until today. I still can not access my accounts. This includes my ALL Rewards XXXX, XXXX Credit Card, XXXX XXXX XXXX. This has been happening for a week.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had been trying to to contact Commenity in XXXX but had trouble with the website. My bill was due on XX/XX/XXXX. I had try to contact that by bill would be delayed beforehand. I sent my bill in on XX/XX/XXXX to pay {$1500.00}. The website was down. After processing they had charged me a late fee and also out of nowhere reduced my credit limit to below my balance, lowering my credit score and causing an additional host of problems. The company has been unreachable and website has been down for weeks.
Company Response:
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A