Date Received: 2022-06-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I was late on payment this month and received SEVEN calls in one day. I have also received 2 calls in the past hour alone this morning I has a similar situations with them last year and i told them this is harassment and a violation of consumer protections in debt collection. This many calls impedes my work and is unacceptable.
Company Response:
State: IN
Zip: 46241
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX c/o Comenity bank reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent act.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Sometime in 2022 Comenity Capital bank purchased my credit card account from XXXX XXXX - I was never told that the account was sold my credit card just stopped working one day. I never received notice that the account had been sold or any information from either bank with instructions on how to set up my new account with Comenity. The first correspondence I received from the bank was to inform me that my payment was late and that my account was delinquent I called Comenity on XX/XX/2022 in authorized a payment to bring my account current however they fail to process the payment. I was told at the time that a new card had been sent weeks ago and that I should have received it in the mail I believe that this is a lie I dont believe that any card has ever been sent to my address by Comenity Bank . After a couple of weeks I noticed that the payment has not posted to my bank account and that a second card that they claimed to have sent to my house has not arrived yet so I called them on XX/XX/2022 to inquire about the payment in about the new card. They claimed a new card had been sent but that the payment has been declined by my bank. When I asked why they had not contacted me they had no answer. I requested to stay on the phone with them while they made a payment from my bank account in order to make my account current which they did I paid them {$2500.00} on XX/XX/2022 and I requested a third card be sent to my home address. The third card was never sent I did however receive a letter today from the bank claiming that I was not eligible for a new card due to the status of my account. I have never missed a payment on any credit card that is currently issued to me. Comenity Bank continues to charge me late fees and interest on an incorrect balance. I believe very strongly that they are doing this on purpose in order to collect extra fees. It is my belief that they have never tried to send me a new card and that they are making it difficult on purpose for me to keep the account current. If there are any issues with my account it is the fault of Comenity Bank and not mine.
Company Response:
State: CA
Zip: 92065
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. I called them and they said I owed half of that for a store credit card, but refused to delete from my report.
Company Response:
State: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission, a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report I discovered that there was several fraudulent accounts on my credit report, I have contacted the creditors and furnished the creditors with the above stated documents.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On several occasions I have tried to to pay off my XXXX XXXX store credit card with Comenity Capital Bank. I paid it off sometime in XX/XX/2021 and closed the card. However, through XXXX to the present, Comenity has been tacking on service charges ranging from {$9.00} to {$2.00}. I accrued a late fee in XXXX because I believed I paid the card off. I agreed reluctantly to pay the remaining {$46.00} ( all service charges and late fee ). I was promised by the customer service representative that I would no longer have any fees added to this card and it was a XXXX balance and stay as such. I requested a letter stating I would have this XXXX balance from now on, which was mailed to me and I have in my possession. Today, XX/XX/XXXX I have received a bill from Comenity stating I owe them {$2.00} due to a service charge. I called their customer service number and explained I was promised I would no longer have fees on this account. The customer service representative took my information and then five minutes or so later told me that he could not help me today because Comenity is doing a system update. I was told that I would have to call back on the XXXX when their systems were updated. I state this was unacceptable and that I wanted to speak to a manager. I was told no that due to the system update speaking to a manger would not work. At this point I stated that I would be reporting this to the Credit Financial Protection Bureau and I ended the call. I refuse to pay this {$2.00} service charge and any other charges or late fees that may accrue as I was promised over the phone and via letter I would remain with a XXXX balance and considered any card payment completed.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The debt that Comenity Bank for Victoria 's Secret, Torrid , Lane Bryant, and XXXX XXXX is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for Comenity Bank for Victoria 's Secret is XXXX. My account number for Comenity Bank for Torrid is XXXX. My account number for Comenity Bank for Lane Bryant is XXXX. My account number for Comenity Bank for XXXX XXXX is XXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Call me once and leave a message. That would be perfectly fine. Ive been called 8 times today and its harassment.
Company Response:
State: OK
Zip: 73064
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A