Date Received: 2022-06-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: - IKEA Credit Card Auto Pay unenrolls automatically without informing the customer. - IKE Credit Card charged late fee and late fees for late fee and charged interest for late fees. I have been trying to setup IKEA Credit Card 's automatic payment for some time without any success. I set up the automatic payment several times online in my account. It looked liked it was successfully setup. But then it unenrolls me from automatic payment and I was charged late fees. It happened several times. On XX/XX/2022 I found out that the automatic payment was unrolled and made payment manually 2 days after the due date which was XX/XX/2022. I paid the full balance. However, I didn't know that a late fee of {$40.00} was charged on my account. When I checked my account in XXXX IKEA Card charged late fee and interest on the late fee. I disputed the charge on XX/XX/2022 and talked to XXXX with ID XXXX. He could wave only one of the late fees. I still think that I shouldnt pay any fees since its automatic payment unrolled itself. I asked him to check this issue. I also talked to XXXX at IKEA Card 's dispute center. Noone could take care of the automatic payment issues. I disputed the late fee and interest charges on late fee. I also requested IKEA Card to fix its sissues with Automatic Payment. I talked to manager XXXX on XX/XX/2022 at XXXX. XXXX finally admitted that IKEA Credit card unenrolls from auto pay as soon as there is no balance in my account without informing the customer. I think this is unfair practice. Please investigate. Thanks,
Company Response:
State: NY
Zip: 107XX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On my last payment I pleaded with thwe customer service to cancel my account but still they are sending me anouther bill again for next month.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: They never updated my consumer statements at all for all of the bureaus and they are still falsely reporting information, even after I have reached out over XXXX times. This is getting ridiculous. I also noticed they did not submit the notification to me, within 5 days, that they were adding a deleted item back to my credit report. It shows up when it wants to, on whichever report it wants to. It was never marked disputed on any of my reports. I would like the methods of verification for their investigations, as I never received anything about that either. They refused to delete the account, even though I have given them proof they were reporting incorrect information.Nothing was updated, which tells me they verified without investigation. They violated my rights 100 %. I notified each bureau as well, they ever responded either.
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I made a payment of {$3500.00} to pay off the balance on my XXXX credit card. On XX/XX/XXXX, I made another payment of {$52.00} because my account showed that as a remaining balance. In XXXX, I received a phone call from Comenity saying I owed {$49.00} in late payment fees. I was astonished thinking I had paid off this account ; after talking to several reps with the company they said that I had paid the large amount in XXXX after the due date, resulting in the late fees since XXXX. They also destroyed my credit by reporting to the Credit Bureaus late payments from XXXX till XXXX. ( As I'm writing this, I believe the {$52.00} payment on XX/XX/XXXX was the late fee I paid, which means none of these late fees should have been made against my account ). In XXXX, I disputed these charges, and the fee they charged to my bank account was returned to them unpaid. After receiving a response from their Credit Department that they had a right to charge me these late fees, I set up on XX/XX/XXXX a payment of {$49.00} to just end this whole nightmare. Today I received an email from Comenity saying that I owed late fees ; I immediately called up Comenity who stated they never received my payment from XX/XX/XXXX. Of course I had the withdrawal showing on my bank account as well as the confirmation number from Comenity when I set up the payment. Finally I talked to a third rep, XXXX, who said he was the Senior rep. As I tried to go over the transactions from my Comenity account with him, he said he did not have the same view as I did making it impossible to go over each payment. He then began shouting at me, at which time I told him to lower his voice. He said that after I paid the {$49.00} amount on XX/XX/XXXX, I was charged a late fee of {$25.00}. I said I just wanted to pay this amount and that I would be making a formal complaint against Comenity. I asked XXXX for reassurance that no other charges would be accrued against me ; he replied that Comenity has a {$2.00} fee on any account with an open balance, so he could not promise me no other charges would pop up. At this point I told XXXX well how can anyone pay off their Comenity account if you just keep adding fees. He advised he would make it so these {$2.00} fees would not be applied in the future against me. The unfairness of all this made me, a XXXX XXXX Veteran and retired XX/XX/XXXX, cry. I believe I was wrongfully assessed a late fee from XXXX, which I paid, which then led to the destruction of my credit and continuing fees wrongfully accrued. Thank you so much in advance for any help you can give and hopefully other people will not have to go through this horrible process with Comenity.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
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: Online purchase was placed on XX/XX/2022 order number XXXX for white Linen dress size XXXX, item # XXXX and white cardigan size XXXX, item # XXXX. The dress did not fit so I returned both items by mail per instruction for returns to XXXX. I called XXXX to confirm returns had been received also received email from XXXX XXXX on XXXX XXXX confirming the order had been returned was well. I also received a check from XXXX XXXX XXXX # XXXX for the return amount {$110.00}. On the check stub a statement saying * This check if for the item ( s ) you returned. We hope you will choose another item and order soon. Thank you for shopping with us. After a long conversation XX/XX/XXXX with assoicates/manager/supervisor at Comenity Bank advise there was still a balance due has applied a late fee and demanding I pay the balance and or make payment to items that have been return. This is the next steps that I am attempting to find a solution.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I went to XXXX to send money to my brother in XXXX. Because I am not on his visitor 's list it said I couldn't send him money, but the money was still taken from checking account. I called XXXX about a refund and was told it was being processed. I was given a confirmation # that doesn't match and records of XXXX. They have no record of the transaction. I googled the name of the creditor it shows on my statement and find that it is a fraudulent company. Comenity XXXX XXXX Web Payment XXXX is how the charge shows in my account. The amount is {$30.00} and the amount is {$30.00}. I bank with XXXX and the last 4 digits of card used are XXXX. The card has since been cancelled.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
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: Have a XXXX XXXX Card through Comenity. Tried calling XXXX. Each time i go through the prompts to await for a live person to discuss my billing, I am put on hold. The music comes on to indicate you are hold then 2 minutes later you get another prompt and it pushes you into a silent que and it is unclear if you are still on hold. After 15 -20 minutes the call is disconnected. This has occurred 3 times over a 48 period. My purpose for the call was to get a {$29.00} late fee waived. It was my first time being late since account opened in XX/XX/2021. It was an oversight on my part due a death in my family. I have been consistent is paying {$30.00} - 40 more than the minimum requirement. I am more concerned that I have been trying to reach customer service for the past 2 days and can't get through because their is an issue with their phone system.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Creditor Name : COMENITYBANK/NY & CO XXXX Account number : XXXX Date opened : XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Creditor Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/18 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: COMENITY BANK/LNBRYANT XXXX XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A