Date Received: 2022-07-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I went in the store and made a {$52.00} credit card payment, it was taken out of my bank account on XX/XX/2022 and today is XX/XX/2022 and it was never applied and I am being told that it was never made and never paid. I have a receipt proving it was made. I have called every number possible for customer service. I am getting nowhere with the company and being told I cant be helped. This was also turned it in to my credit report as a missed payment and took XXXX points from me.
Company Response:
State: NE
Zip: 68801
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an alert that Comenity pulled a hard inquiry without my consent, and others are complaining of the same on XXXX and XXXX. I, along with thousands, have not been able to pay my bill or access my account in over 3 weeks, no online payments, or customer service etc. is available. So not only did Comenity report as delinquent which dropped my score, now they pulled a hard inquiry for some reason and dropped my score even more and as of today they are still unreachable and the website is down.
Company Response:
State: NY
Zip: XXXXX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am unable to make a payment on my Wayfair/ Comenity Bank Credit card. Comenity closed my account about 3 years ago and I have no idea why. I have been making on time payments ever since. I have never missed a payment or been late. On one recorded line, a message gives me my balance and credit limit and states what my payment amount is, but then the phone is disconnected and I am unable to make a payment. On another recorded message, it says my account is closed and I will have to speak with a customer service agent. However their offices are closed. Their phone lines are down, their online customer support is down. I cant send a payment by mail, because a recorded message said there are no employees to receive the payments. I have spent hours of time trying to reach someone so that I can make a payment on my account.
Company Response:
State: CA
Zip: 92253
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: On XX/XX/XXXX per Comenity Bank letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries still reported on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Company Response:
State: NV
Zip: 89110
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: An account was fraudulently created in my name, in Texas, on XX/XX/XXXX. I wasn't even in the country at the time, and I don't live in Texas anyway. The account is through Comenity Bank. I have tried to contact them directly, but their call center is offline, you can not get through to an agent. I added a fraud alert to my credit reports, and froze one ( working on the others ). The agent at XXXX also stated that they would be in contact with Comenity. Today I received a card in the mail for XXXX 's, which is also issued through Comenity. I think that there are serious problems at Comenity, that they are issuing cards like crazy for all stores that use them, without any subsequent credit checks. My credit reports only showed one credit check from Comenity, but now there are 2 accounts, and probably more coming, backed by this scam of a " bank ''. I am XXXX XXXX XXXX, this is incredibly stressful for me, my husband of XX/XX/XXXXyears just died in XXXX. Please help, report this to the FBI and whatever else you can do.
Company Response:
State: NC
Zip: 27511
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: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I have been calling Comenity Capital Bank for about a week and the phone system always says high call volume, try again later. I also tried logging onto my account to transfer out the funds, but when I tried to log on, it said something like " account inactive ''. Since I have no access to the company and my accounts, it is not possible for me to withdraw the funds.
Company Response:
State: PA
Zip: 180XX
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX XXXX, FL. XXXX XXXX XX/XX/2022 XXXX XXXX I am complaining against BJs Credit Card Company Master Card XXXX Membership. Since over 1 year ago I joint and pay for the XXXX membership with the Master Card Company because according to them with this membership and credit card you will be received 5 % back as money rewards every time you buy product on BJs store, and they do not do this. After multiple phone calls that they never respond ; I am taking the step to report this company for Fraud, and false advertisement to customers. BJs Master Card XXXX membership. XXXX XXXX XXXX XXXX TX, XXXXPlease contact me at the above address or by phone at ( home and/or office numbers with area code ). Sincerely, XXXX XXXX. VERY UPSET CUSTOMER.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Apparently I did make my payment late. It was due XX/XX/XXXX & I made it on XX/XX/XXXX. The money has been taken from my bank account, {$2000.00} Yeah I received a phone call letting me know my a payment was past due and I needed to make a payment. I explained that the payment had already been made and the money had been taken from my account. The customer service/collection person asked me for a confirmation number. I told her I did not have a confirmation number since I authorize the payment from my bank account and I can see that it has been deducted. The question is where has the money gone? I called the number on the back of my BJs/Commenity XXXX and I received a message that they were undergoing an update and it was taking longer than expected and to please call back. I tried to logon online and was not able to. It is now 12 days later and my card has been declined three times. I can not pay for my groceries or my gas at BJs or anywhere else. I am missing out on rewards that I should be getting and the biggest issue is that my payment isnt applied to my balance but they want me to make another payment. I am disgusted with Commenity bank right now and their lack of transparency of whatever the real problem has been.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1 Remaining Negative Account. Account Name : XXXX Account Number : XXXX
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a BJs Comenity Mastercard # XXXX. Comenity has been having system issues going on XXXX weeks. Initially their website was down for the first week but I could at least still use my charge card. Now their website is fixed but my card no longer works. When I attempt to call Comenity they will not let me talk to a service agent- they say nobody is available and call back later. They have a message on their website indicating that they still are working on it. Any suggestions on how to get my card working again?
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A