Date Received: 2022-06-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was offered a Comenity Bank XXXX at my local XXXX store. I applied for the card and used the card for my purchase. I received my bill and would like to pay my total balance of {$180.00}. I have tried via their website and via telephone to pay this bill for the last XXXX days. The website says they are having scheduled maintenance so they are unable to process any payments or grant access to my account and when I call there is a recording saying they are having unforeseen technical difficulties and that their offices are temporarily closed. I would like to pay this total balance, before it becomes overdue, then cancel this card because I am suspicious of this credit card company. I want to be done with this credit card company but I cant seem to pay or cancel the card in any way because I can not get through to this company at all either online or by telephone.
Company Response:
State: NM
Zip: 874XX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
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: I opened two accounts with XXXX XXXX, a Private Account of {$2000.00}, and a Store Account of {$2500.00}, in XXXX of XXXX. I noticed right away that I started having problems with them saying that they did not receive my payment in XXXX for the store account. And after I made a duplicate payment and called them the next day, they had both payments, but had charged me a late fee. I did not notice at the time but they had started reversing my payments even back then just to charge these fees. I had six months free of interest on the Private and a year interest free on the Store account. They charged interest on the Store account at six months, and I paid that and then they charged the other Private account the next month. On the store account, a fraudulent charge of {$75.00} was charged to my bank account by XXXX on XX/XX/XXXX, without my permission. There should have only been two {$75.00} payments for XXXX. I had my bank to investigate it and they found that XXXX did in fact make an unauthorized charge to my back account. At this point, I'd had enough and decided that I would pay the accounts off as soon as possible. So on XXXX XXXX I went into the store to pay the account off. I spoke with the manager at the XXXX XXXX location. He handled the processing of the final payment after calling into the accounts office to ensure that he got the correct balance on the Store account. He told me the full balance was {$1700.00} in which I paid in full, by giving him {$1800.00} cash. I also paid the Private account off on XXXX XXXX in the amount of {$770.00}. However XXXX went back and reversed that payment the same day it seems to try and charge me a late fee of {$42.00}. I then talked to my back and they suggested that I send a Cashier 's check in which I did. I am continuously getting bills from them saying that I owe them money. The latest bill has a New balance of {$100.00}, with a minimal payment of {$37.00}, due XX/XX/XXXX. These people have defrauded me out of hundreds of dollars and I am not going to pay a penny more. I want these accounts closed and I wan the to stop harassing me.
Company Response:
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've been trying to pay my credit card balance but the company 's website says it's being updated and directs you to a quick pay site. That site doesn't work either. I've called numerous times to pay by phone, which costs money, but the recording says " due to unseen circumstances, we are closed ''. I'm being charged a late fee even though I wanted to pay on time. This is unacceptable. I want a call back from Comenity.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My closed XXXX XXXX credit card account was reported to XXXX as XXXX late. I made a payment to bring my account current before XXXX days in the amount of {$80.00} on XX/XX/2022. I tried logging into the Commenity website to verify this but it seems the account dashboard is down. It was taken out of my checking account though.
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a payment to my XXXX Credit Card managed by Comenity Bank. I paid the account balance in full on XX/XX/22 for {$760.00} in advance of my due date. I was later billed interest and fees that I was not anticipating. Since I had paid my balance in full I was not expecting additional statements and I did not see any statements come through with a balance due until I received a late notice in XXXX. When I received the late notice, I paid a balance of {$28.00} which solely consisted of bank fees and interest billed after I had paid my account off. This resulted in negative reporting to the credit bureaus and dropped my score over XXXX points over {$28.00}! This is the only derogatory remark on my credit report and should be removed as I paid my balance in full and the late reporting only consisted of miniscule banking fees!
Company Response:
State: ID
Zip: 83854
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
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: I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. They are : COMENITY BANK/VCTRXXXX XXXX XXXX Secrets Reported : XX/XX/XXXX COMENITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX COMENITY BANK/LNBRYANT Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: All XXXX XXXX XXXX cards information has been off line thru the Internet or Customer Service Associates for 5 days. They advised this could take weeks. A Company called XXXX is taking them over. In the meantime, I can not see my correct balance on any cards, or any transactions or credits. This is with XXXX XXXX, XXXX XXXX, XXXXI can not budget correctly without knowing my transaction history.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: under complaint # XXXX XXXXcomenity bank stated to c.f.p.b. that the accounts reporting to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$330.00} and # XXXX $ XXXX to be closed with non- monetary relief.The accounts remains to report, as of this date, this company was given extra time to take care of this matter, on XX/XX/XXXX XXXXthose are federal law forgiven debts and needs to be removed comenity bank need to be reminded of it respond of XXXX.or be sent to enforcement.sent by certified mail # XXXX, which includes 2 reports from XXXX XXXX, before the complaints and after the reporting of the above accounts
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity bank WAYFAIR has been charging me late fees after late fees even though they have always had my card on file for automatic debit payments. I have called multiple times and have stated the same thing that they have always had my card on file for automatic debits which they where doing and then they stopped and thats when they started charging late fees, a scam to get more money. The Company has been nothing but rude and everytime I call they say I will not get charged but before I know it I have another bill in my mailbox.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: You are disclosing my personal information to third-party companies to which I dont consent to You are invading my privacy. My nonpublic personal and or private information is not to be shared without my willful consent or direct express permission which I didnt grant you. You are defaming my character and it is causing me injuries I'm kindly demanding you cease the use of identity information to any third-party affiliates immediately. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information it is your duty to honor consumers right to privacy by following the regulations congress has set forth for financial institutions to respect consumers right to privacy and to limit the sharing of information to affiliates when. If theres any consent that may have been given that granted you the opportunity to furnish such information to third parties or affiliates, this is a formal notice that I do not consent or opt-out. I'm demanding my non-public information shall not be shared with any third party or affiliates of your financial institution.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A