Date Received: 2023-11-07
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Subject : Complaint Against Keys Jewelry Credit Card Company XXXX XXXX XXXX ). Dear Sir/Madam, I am writing to express my deep frustration and concern regarding a recent experience I have had with Keys Jewelry ( XXXXXXXX XXXX XXXX XXXX a credit card company. I believe that I have fallen victim to a fraudulent charge, and I am seeking your assistance in resolving this matter. I have been a responsible cardholder with Keys Jewelry ( XXXX XXXX ) and have made consistent payments, staying on track with my financial obligations. I initially owed approximately {$6000.00} and made a substantial payment of {$5300.00}, leaving a balance of about {$700.00}. Following this, I diligently made monthly payments of {$100.00} to reduce this remaining balance. To my surprise, today, I received information from Keys Jewelry that my payments were supposed to be completed within 18 months. This was the first time I had ever heard of such a stipulation, and it was not disclosed to me at the outset, during the course of our agreement, or even at the end. The lack of upfront information and notification is deeply concerning and has caused me undue stress and financial hardship. Upon further investigation, I noticed that there had been an unexpected addition of over {$200.00} to my current payment balance when I checked my online account with Keys Jewelry. This alteration to my payment terms has put me in a precarious financial position, which I was not prepared for. Given the current state of the national economy and the challenges many individuals, including myself, are facing, I want to stress the gravity of this situation. I am a single mother, a XXXX and the sole provider for my XXXXXXXX son. The unexpected financial burden placed upon me by Keys Jewelry is causing me great distress and making it increasingly difficult for me to meet my financial responsibilities. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to address this fraudulent charge and the lack of transparency from Keys Jewelry. I hope that your intervention will help rectify the situation and prevent other individuals from falling victim to similar practices by this company. I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] for any further information or clarification you may require. Thank you for your time and assistance in resolving this issue.
Company Response:
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have 2 late payments for Comenity Bank. I have explained my family-death situation however, they couldn't help me. I was unable to purchase a home. I really need help removing 2 late payments.
Company Response:
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Letter sent to Big Lots XX/XX/XXXX XX/XX/XXXX Big Lots XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX Account XXXX Ending in XXXX I am contacting Big Lots to advise I will not be paying the Late Charge from the XX/XX/XXXX statement and now the interest on the XXXX statement. I have numerous credit cards ( XXXX XXXX, XXXX, XXXX, etc ) and have never had a late fee charge on any of these cards. I continue, every few months, to be charged with a late fee from Big Lots. Quite frankly, I have no idea what is going on with your Accounts Receivables, but I believe mail is being held in order to charge late fees to consumers. I am sending a copy of this letter to the XXXX & FTC for further investigation. You may contact me with any questions. Thank you, XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit was used without my permission.
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX charged me for an item I did not purchase. Not only have I contacted XXXX but I contacted my credit card company several times. I have spoken with many representatives and have gotten nowhere. XXXX continues to send an item ( I did not purchase ) to my home address. I have refused the item and have had the mail service send back to the sender ( XXXX ) three times. This item was never purchased nor was it authorized by me. The credit card company continues to not support my request to credit the unauthorized charge. They have not acknowledged my several requests to credit and investigate on my behalf. This is a charge for {$1000.00}.
Company Response:
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023 I went in XXXX and purchased around XXXX worth of merchandise. As I was checking out a preapproved prompt came across the screen. I agree to it and it was for {$400.00}. I was told to call for an increase and so I did. I was told no and to wait for my reason y in the mail. Their reason why is Comenity Bank wants to see consistent payments which discrimination. Adverse action against a consumer is against law according to the Equal Credit Opportunity Act. Regardless of the reason for that low credit limit, I have the right to credit. Withholding my access to my security is security fraud.
Company Response:
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for and received this XXXX XXXX card from Comenity on XX/XX/XXXX. I was able to make purchases on XX/XX/XXXX and XX/XX/XXXX. I have never received a card for this account. I called Comenity multiple times and have been told that a new card is on its way, only to receive letters each time stating that I can't be issued a card at this time. I was told as an alternate, I could enter my SSN, ZIP, and provide ID at XXXX XXXX XXXX XXXX to use my account. I recently tried this twice, and had the transaction declined : XX/XX/XXXX XXXX XXXX, CO XX/XX/XXXX XXXX XXXX, CO I called and was told on XX/XX/XXXX that this a a " cardless account '' - no card is issued for it. I tried to purchase with my SSN on XX/XX/XXXX at XXXX XXXX in XXXX, CO, and the transaction was declined. I again confirmed with Comenity on XX/XX/XXXX that this is a cardless account and that previous CSRs who told me they were sending a card were mistaken and giving me bad information. I then tried to use my SSN and ZIP and ID at XXXX XXXX in XXXX XXXX on XX/XX/XXXX, and the charges were again declined. I tried to use my SSN and ZIP at XXXX XXXX in XXXX XXXX on XX/XX/XXXX, and the charges were again declined. When I called Comenity, I was told that I could only make transactions if I had a card. Summary : Comenity has failed to send me a card for 16 months, has declined all my transactions despite being in good standing, and has given me directly contradictory information about whether I needed a card or not. Repeated escalation has not worked, and I have been humiliated at XXXX XXXX stores at least XXXX times in the past XXXX months.
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello, Re : Comenity Bank / Jared credit card account XXXX in the name of XXXX XXXX XXXX XXXX XXXX XX/XX/23, I had checked my credit card balance and also called in for my balance. Both the website and voice messages indicated that I had a {$7600.00} credit card balance. When I went to perform a refund and exchange purchase at Jared in XXXX, XXXX on my Wife 's wedding ring ( that had a warranty on it ), the credit card that I had with Jared by Comenity Bank accepted the refund credit of {$2600.00}, but subsequently denied the purchase for the exchange for about {$3700.00}. My balance is now stating on the Comenity Bank Jared credit card the amount of {$10000.00}. Which means that they have {$260000.00} of my money that is due to me. I need the following done and explained please : 1 ) I need a refund issued to me by check for {$2600.00} which represents the returned ring ASAP! 2 ) Why did Comenity Bank state my balance as {$7600.00} credit and then when I went to the store for a purchase that wasn't so? 3 ) Why did Comenity Bank accept the credit to my account for the refund of {$2600.00} but denied the debit for the purchase? I am very disappointed in this Bank and would like them fined and reprimanded for their actions. I am thanking you in advance for your assistance on this. Regards, XXXX XXXX
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank processes XXXXXXXX XXXX credit cards. I had set up automatic payments through the XXXX XXXX website. I used my XXXX checking account. In XXXX, Comenity processed my payment but indicates they received a stop payment from XXXX. I did not stop payment. Comenity then sent a message indicating I had a message in their message center. I did not see that message until late XXXX when I received a XXXX XXXX message indicating my account was overdue. I immediately went online and processed a payment for the full balance and received confirmation. Today, I went to do my XXXX bill payments and realized there was no credit in my XXXX account for XXXX. I checked online and saw that the payment had been returned. Called Comenity and was told XXXX had returned the check. I called XXXX, and they had no record of any charges coming through that would result in a returned check ( I have overdraft protection ) and no issues with the account that would have resulted in the payment being declined. I called Comenity back and was told I needed to have XXXX send documentation indicating the information on the returned check. I pushed back because XXXX had no record of a returned check/payment or any item that would have had to be returned. Comenity indicated I must have put a stop payment on the account- which I did not do. The letter I received from Comenity indicated I requested to stop automatic payment but then the Comenity rep said they were stopped because of the returned payment. I did not stop payment to Comenity and XXXX has no record of any payment request coming in. I asked if Comenity shut down my automatic payments because I had not used the card for 9 months- they didn't respond but reiterated I would have had to do a stop payment or the account had insufficient funds -- neither was the case as confirmed by XXXX XXXX Comenity did waive the late fee but I was also charged returned check fees when there was no reason for the payments to be returned. Additionally, I could not use my primary checking account because Comenity would not allow it to be used until payments were good for 3 cycles- there was no communication regarding this until I brought up the earlier payment I had made today when I first called in. The first rep at Comenity took my payment and I left that call at least thinking the payment had been taken care of but, in pushing on why payments weren't clearing, was finally told they were not going to be allowed to go through. So, Comenity would, yet again, charge a returned check fee even though they knew it wouldn't be processed because of the situation. It appears the payments never went out from Comenity to XXXX to be processed. What isn't clear is why the first one didn't go out ... that seems to have been the catalyst for the churn in their processes.
Company Response:
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Some time in XX/XX/2022 I closed my account. I specifically asked the Account specialist to verify that my card would keep the same interest rate. They said yes, which at the time was 19.99 %. So, I closed the account. It is now 25.24 % which is 5.25 % higher and has been changing month to month. I have no late payments or overdraft fees. I was under the impression that the interest would stay the same. How can they raise the rate when no new purchases were made? The customer service said they can not change the rate for me when I called on XXXX.
Company Response:
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A