Date Received: 2022-06-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This is the second time I have HAD to submit this claim due to this company continuing to play games. They are claiming that they did not have permission to speak with you regarding this issue even though I sent you to speak with them. They have continued to charge my account late fees and interest on top of 18 months of interest during this entire process. They are reporting ALL of this to the credit burros and negatively affecting my credit rating. My wife has already paid the {$3.00} that THEIR EMPLOYEE advised one week prior to us paying our account off was NOT DUE to have a XXXX balance on our account. I want the company to credit my account for ALL fees AND INTEREST that they have charged us due to their error and NOT ours since we consulted with them a week prior to us paying off our account. Please see the following for the full explanation of what happened. I purchased a set of XXXX XXXX through the XXXX on a 18 month deferred interest promotion. We made a payment of {$400.00} on the XXXX of XXXX, and then Comenity Bank took another {$400.00} UNAUTHORIZED payment out of our account on the XXXX of XXXX. When we realized what had happened we called them and agreed that they would use that second {$400.00} payment as our XXXX payment. When we received our XXXX bill we noticed that they had charged us a late fee and penalty charges. When I called on approximately the XXXX of XXXX I spoke to several representatives before I was finally transferred to a supervisor named XXXX out of Ohio. ( this is where he told me he was located ) I questioned him why they were only returning {$1.00} for each of the 2/ {$2.00} late fees they were crediting back. He informed me that the late fees had been refunded and the penalty fees had been removed and the balance on my account was {$360.00}, and by paying this amount the account would be paid in full. He then informed me that being on a Friday that I should give it till the following Wednesday for the charges to successfully be removed off the account. On XX/XX/XXXX we accessed our account online and it showed our balance was {$360.00} so we paid off our balance as it showed. Then in XXXX we received a bill saying that we did not fulfill our obligation by {$3.00} ( which miraculously is also the amount if you add {$1.00} and {$1.00} together, AND is also the amount they moved from promotional to revolving status, so they charged us 18 months worth of interest. ) I called and spoke to another supervisor about the entire situation and she informed me that there were detailed notes on our notes left by XXXX. She also said that she didn't see why the {$3.00} was moved outside the promotional plan, and that our dispute should be taken care of and reversed, as the notes were so detailed. She then proceeded to escalate our case to the dispute office. We received a letter dated ( Saturday ) XX/XX/XXXX letting us know that they had received our dispute and they would research it. The second letter was dated ( Saturday ) XX/XX/XXXX stating VERY vaguely that they were NOT going to do anything for us as there was information on every months bill explaining what would happen if we did not pay off our bill on time. At the bottom of this letter it states that if we do not agree with the decision that we can call the customer care team and provide additional information. When we called numerous times we were informed that there was nothing that they could do as the case was already disputed and closed. We have asked for the recordings of the conversations that we had with people to be sent to the dispute office and to have a copy sent to us as well. We were informed on XX/XX/XXXX that somehow NONE of our calls had been recorded and when asked if the call we were on just then was being recorded they said no, even though when you call in the very first thing that is said is " Calls are recorded for training and quality assurance '' but yet somehow NONE of our calls have been recorded, and no one will send us the notes on our account as this is our only proof of the conversations that we had with these supervisors. No one thinks that they need to record phone calls for things like this.
Company Response:
State: MO
Zip: 63501
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After falling behind with my Torrid - Comenity Bank, XXXX, XXXX XXXX, XXXX and XXXX payments I made several arrangments to become current with my accounts. I scheduled a payment plan of {$100.00} monthly starting XXXX XXXX XXXX XXXX XXXX for Torrid, {$72.00} for Comenity Bank, {$100.00} Comenity Bank and {$110.00} on XX/XX/2022. Unforeseen circumstances prevented me from fulfilling my obligations. My discrepancy is the aforementioned attempted to collect the fees twice instead of the one time agree resulting in me spending hundreds of dollars in fees of charges I didnt authorize twice, only once but as you can see Ive been charged double on numerous occasions.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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: On XX/XX/2021 XXXX XXXX sent a refund to an old credit card, this card switched companies from XXXX XXXX to Comenity Bank. XXXX XXXX provided me with the XXXX Reference Number ( XXXX ). The refund was for an amount of {$750.00} and it was given to XXXX XXXX. When I contact XXXX XXXX they state that they do see the positive balance owed to me, but cant help me and tell me to contact the new card company ( Comenity ). When I contact Comenity they state that the money is at XXXX XXXX. I have called many many times. Sent emails and have contacted an attorney. My attorney could not get them to speak with her & I had to fill out an authorization for my attorney. I called again before pursuing this option and they offered no help. My family desperately needs this money back. I would like the full refund that was sent by XXXX XXXX to XXXX XXXX to be refunded to me and sent by check.
Company Response:
State: KY
Zip: 404XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I bought two rugs from XXXX. I tried to return one it had been a few months but they said they had a 7 day return policy so I was stuck with one I still havent opened in the shipping package it came in but I paid {$570.00} so I was stuck paying for both rugs. Which one of them I cant ever use its the wrong size and even in pristeen condition they still wouldnt return it. I since have tried to sell it and havent been able to. The problem that I called in for though was Ive paid the entire bill off and made my final payment in XXXX of 2022. It was on time and the balance payoff I paid. I got in the mail today a {$2.00} charge for XX/XX/2022 that they told me was for not having a balance. I have to have a balance to pay in order to leave the card open for having no purchases anymore. I planned on keeping it open but not making any future purchases but Im not paying once a month to have a card that is unuseful because I have been TOLD its not good to close accounts because it effects most credit reports negatively. So heres my question, is that not illegal to charge me just to keep it open? Im on XXXX and Im on a fixed income and what little I get I have been paying off 5 cards Ive paid off two. Ive attached the bill that came for XXXX and no where does it say that I have to have a balance on the card. I owe {$2.00} and Im going to pay it but I did close the account with the man I spoke to and they are sending me a copy of the paperwork showing that I paid it off and that its closed. Ive also have other cards with this company and Ive had problems with them too this company has too many cards that they supply for many different stores. Its Commenity.net. Thank you for your time and patience. XXXX XXXX
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a credit account with Lane Bryant/Comenity Capital Bank which I closed back in XXXX of XXXX They confirm that the account is closed. Every month since that time I have received a bill for the account assure and they charge me minimum interest. I have paid it each month. I then call customer service to talk them about why I keep getting charged and they tell me that once I pay the bill in full that I won't get charged again. Which then I get another bill. This has been happening for 7 months. I can't see how it's legal for them to keep charging interest on XXXX balance/closed account for 7 months and then reporting a late payment when I missed paying them for interest that they said I wouldn't be charged, I am so angry that I keep having to deal with this and wasting time/money paying them and calling them to get it stopped.
Company Response:
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
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: In XX/XX/XXXX I had a door installed by XXXX XXXX it was not done correctly. In XXXX of XXXX I files a dispute with my credit card company Comenity Bank ( All Rewards Mastercard ). Also in XXXX of XXXX I file an aditional dispute with XXXX XXXX XXXX in XXXX XXXX XXXXXXXX, PA over a gift card I mistakenly purchased between two stores with similarly sounding names and there were no rules posted prior the sale regarding any return or exchange policy. In both instances I exhausted all avenues with the merchant. In filing the dispute Comenity Bank insists that it be done in writing through the mail, not online or by phone. Within both of these letters XXXX gave written permission to allow me, XXXX, to speak with them regarding this card in which I am an authorized user. We got some responses but no resolution. They acknowledged receiving our letters but would not acknowledge the permission to allow me to talk to them. They said it had to be done verbally. We found it hypocritical that I could use the charge but couldn't speak to it. We also found it hypocritical that they needed the dispute in writing but wouldn't acknowledge a written authorization from XXXX. Bottom line, they wouldn't allow me to help them resolve this and they are way beyond they own limit of 90 days to resolve the two disputes.
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I sent my final correspondence to Commenity to request that they send me a Validation for an account that appears on my credit profile. I have sent several letters over the past 16 months, requesting this information from Commenity. Please see all prior letters to Commenity and received from Commenity attached to this complaint. In every response letter from Commenity, the company stated that the account was owned by XXXX XXXX XXXX. I reached out to XXXX XXXX management for several months for this collection agency to provide me with Validation for the account. Ultimately, XXXX XXXX XXXX closed the account and ceased collections. XXXX XXXX XXXX did send me a confirmation letter with that information dated XX/XX/XXXX. I have also attached the letter from XXXX XXXX XXXX to this complaint. According to my rights under the FCRA I have the right to request Validation of this account. I have sent several requests to Commenity and each request the company refuses to provide Validation or any type of evidence or documentation that this account belongs to me or that I have any obligations to the mentioned account. I attempted to reach out to Commenity once again on XX/XX/XXXX, asking that they provide Validation for the account. I also stated to Commenity in the letter that the company in which they stated owned the account, XXXX XXXX XXXX has closed the account and ceased collections. I asked in my correspondence that Commenity provide me with the Validation for this account. Commenity did receive the correspondence on XX/XX/XXXX, as stated on the Certified mail receipt that I have also attached to this complaint. On XX/XX/XXXX, Commenity sent me a correspondence identical to the response that was sent to me on XX/XX/XXXX. Commenity is still claiming that the account is owned by XXXX XXXX XXXX, even after I provided the documentation to Commenity stating that XXXX XXXX XXXX no longer holds this account, also ceased collections, and closed the account. I called XXXX by phone and requested information regarding this account. The customer service representative informed me that Commenity did not have any information on this account and that the account was sold to XXXX XXXX XXXX, and that if I needed any information, they would provide it. Commenity failure to provide me with the requested information is a clear violation of my rights under the FCRA. Also, the fact that Commenity continues to provide invalid account information is a violation as well. Commenity has violated my rights under the FCRA section by reporting an unvalidated account to my credit profile and their refusal to Validate the account or provide me with any information about the account. I have disputed this account with XXXX several times and every time the account comes back as verified. How is Commenity able to verify account that they have no information about, furthermore Commenity is in violation of the FCRA for continually reporting this Unvalidated account and failure to provide me with the requested information. Over 16 months of sending correspondences to Commenity, yet they refuse to provide any information and continues to violate my rights by reporting this account to my credit profiles.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RE : Request to REMOVE : XXXX XXXX Commenity Bank Account # : XXXX To whom it may concern : This is to confirm that this account has been paid and closed. This account was included in a Stipulation Settlement Agreement which include the deletion of this account : XXXX XXXX Commenity Bank ending XXXX. In addition, this account has expired and passed per the statute of limitations which is three years for the NY State. In XX/XX/XXXX, New York Gov. XXXX XXXX signed legislation to cut the statute of limitations on most debt from six years to three years. As of XX/XX/XXXX, New York has a three-year statute of limitations on many kinds of consumer debts, including credit card debts ( NY Civil Practice Law and Rules section 214-i ). Please see a copy of CFPB complaint # XXXX and the response from XXXX XXXX and XXXX ( Representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) repling clearly that they not only confirm I have paid this account in court and they have sent me the Stipulation of Discontinuance by Court, but also clearly state to contact Comenity Bank regarding the tradeline reporting to the credit bureau XXXX Plese see also copies of Settlement Agreement including Stipulation of Discontinuance by Court. But XXXX XXXX Comenity Bank response in a letter denying this and continuously stating to contact XXXX XXXX XXXX XXXX for the removal of this account. They also clearly state that they are no longer the creditor, but keep reporting to all credit report the above reference account. Please see proof of one of the credit report reflecting XXXX XXXX account including their address! I have provided sufficient documents from the court that not only this account has been paid but also is clearly reflect to DELETE the account once is paid on the Stipulation Settlement agreement. I have also the Stipulation of Discontinuace as proof of deletion request of this account Please see the enclosed copies. Both : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are denying of being responsible for the removal of this account from all credit reports. This is not right! This account has been settled including the IN COURT deletion of the account. This account should be removed from all credit reports. Since Comenity Bank is not the creditor as they state, then they have no rights or authority or power toward my credit reports reporting this account time to time, and no authority to keep reporting or updating the account. This account should be delete it by NOW! This ACT is unlawful because other debt collector will see this in my credit reports and keep suing me for an account that shouldnt be there. This account has passed the statute of limitations and has expired! . Please see company response from Second Round Sub and their lawyers XXXX XXXX and XXXX : Company Response complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) commenced an action against XXXX XXXX for XXXX debt due on a Comenity Bank account XXXX in XXXX on or around XX/XX/XXXX. XXXX XXXX and XXXX reached a settlement agreement that was paid in full on our around XX/XX/XXXX. Our office prepared a Stipulation of Discontinuance and mailed it to XXXX XXXX which has been filed with the Court ( attached ). XXXX XXXX is advised to reach out to Comenity Bank regarding the tradeline reporting to the credit bureau. Company Response Complaint # XXXX : XXXX XXXX appreciates the opportunity to respond to XXXX XXXX 's concerns. The account she references in her notice was an XXXX XXXX XXXX originally issued by Comenity Bank. The account was opened on XX/XX/XXXX and was charged off by Comenity Bank on XX/XX/XXXX. The last payment made on this account prior to chargeoff was made to Comenity Bank on XX/XX/XXXX. XXXX XXXX purchased this account on XX/XX/XXXX. Please be aware that XXXX XXXX is not reporting to XXXX XXXX 's credit report. XXXX XXXX is not a credit reporting agency. Because of that fact I can not make any judgement as to what is showing on XXXX XXXX 's credit report. She may wish to contact the original creditor to determine if they have any reporting on the account. Comenity Bank can be reached at : XXXX. Attached to this response is a Release of Claim letter XXXX XXXX requested, indicating that the account is closed in our files and that XXXX XXXX has no further obligation to Second Round.
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RE : Request to REMOVE : Ann Taylor/ Commenity Bank Account # : XXXX To whom it may concern : This is to confirm that this account has been paid and closed. This account was included in a Stipulation Settlement Agreement which include the deletion of this account : Ann Taylor/ Commenity Bank XXXX XXXX. In addition, this account has expired and passed per the statute of limitations which is XXXX years for the XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX. XXXX XXXX signed legislation to cut the statute of limitations on most debt from XXXX years to XXXX years. As of XX/XX/XXXX, XXXX XXXX has a three-year statute of limitations on many kinds of consumer debts, including credit card debts ( NY Civil Practice Law and Rules section 214-i ). Please see a copy of CFPB complaint # XXXX and the response from XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX Ann Taylor XXXX XXXX ) repling clearly that they not only confirm I have paid this account in court and they have sent me the Stipulation of Discontinuance by Court, but also clearly state to contact Comenity Bank regarding the tradeline reporting to the credit bureau XXXX Plese see also copies of Settlement Agreement including Stipulation of Discontinuance by Court. But Ann Taylor/ Comenity Bank response in a letter denying this and continuously stating to contact XXXX XXXX XXXX XXXX for the removal of this account. They also clearly state that they are no longer the creditor, but keep reporting to all credit report the above reference account. Please see proof of one of the credit report reflecting Ann Taylor account including their address! I have provided sufficient documents from the court that not only this account has been paid but also is clearly reflect to DELETE the account once is paid on the Stipulation Settlement agreement. I have also the Stipulation of XXXX as proof of deletion request of this account Please see the enclosed copies. Both : XXXX XXXX XXXX XXXX and Ann Taylor Comenity are denying of being responsible for the removal of this account from all credit reports. This is not right! This account has been settled including the IN COURT deletion of the account. This account should be removed from all credit reports. Since Comenity Bank is not the creditor as they state, then they have no rights or authority or power toward my credit reports reporting this account time to time, and no authority to keep reporting or updating the account. This account should be delete it by NOW! This ACT is unlawful because other debt collector will see this in my credit reports and keep suing me for an account that shouldnt be there. This account has passed the statute of limitations and has expired! . Please see company response from XXXX XXXX XXXX and their lawyers XXXX XXXX XXXX XXXX XXXX Company Response complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) commenced an action against XXXX XXXX for unpaid debt due on a Comenity Bank account XXXX XXXX XXXX on or around XX/XX/XXXX. XXXX XXXX and XXXX reached a settlement agreement that was paid in full on our around XX/XX/XXXX. Our office prepared a Stipulation of Discontinuance and mailed it to XXXX XXXX which has been filed with the Court ( attached ). XXXX XXXX is advised to reach out to Comenity Bank regarding the tradeline reporting to the credit bureau. Company Response Complaint # XXXX : XXXX XXXX appreciates the opportunity to respond to XXXX XXXX 's XXXX. The account she references in her notice was an Ann Taylor XXXX originally issued by Comenity Bank. The account was opened on XX/XX/XXXX and was charged off by Comenity Bank on XX/XX/XXXX. The last payment made on this account prior to chargeoff was made to Comenity Bank on XX/XX/XXXX. XXXX XXXX purchased this account on XX/XX/XXXX. Please be aware that XXXX XXXX is not reporting to XXXX XXXX 's credit report. XXXX XXXX is not a credit reporting agency. Because of that fact I can not make any judgement as to what is showing on XXXX XXXX 's credit report. She may wish to contact the original creditor to determine if they have any reporting on the account. Comenity Bank can be reached at : XXXX. Attached to this response is a Release of Claim letter XXXX XXXX requested, indicating that the account is closed in our files and that XXXX XXXX has no further obligation to XXXX XXXX
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
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: Comenity Bank is reporting a 30-day late payment on my credit report for the month of XX/XX/2022 despite on time payments. I previously submitted a dispute directly with the creditor. I received a message saying the information is accurate despite not providing any documentation that this account was indeed 30-days past due. This error has resulted in my credit score dropping XXXX XXXX and has prevented me from being able to obtain a mortgage. Upon trying to resolve this issue with Comenity Bank I spoke to representatives in addition to writing a dispute letter to ensure this issue would get corrected. Comenity Bank has not cooperated in removing inaccuracies from my credit report. My rights as a consumer have been violated per FCRA 609/611.
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A