Date Received: 2022-06-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Paid card off in full for {$440.00} on XXXX XXXX Representative claims late fees have racked up and I owe over {$210.00} as of XX/XX/2022. Called a family member and lied to them saying I listed them as a reference. No references were required for this card. After learning this, I called and was told about the balance, but was told it was late fees and they would be waved on XX/XX/XXXX. I did a follow up call on XX/XX/XXXX and was told to wait until XX/XX/XXXX for the waived fees to finish processing. Called back on XX/XX/XXXX and was told the fees would not be waived and that there were no notes in the system and the confirmation number I gave was nowhere in the system. I was told it would be a few days before they could review the phone calls and see if someone did actually say they would wave the late fees on these calls. After saying this was unacceptable, the call was escalated and they are saying I am required to pay at least {$67.00} of these late fees that were slipped in after I paid off the card to a XXXX balance. They also told me they will keep attaching late fees to the {$210.00} on the account, including for this month.
Company Response:
State: KY
Zip: 40515
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: someone got a credit card in my name at XXXXXXXX XXXX XXXX XXXX i don't have the card but it is showing in my credit report. i don't know how someone was able to do this without my ID. It shows in my XXXX XXXX dated XX/XX/2022. a XXXX $ charge.
Company Response:
State: AZ
Zip: 85392
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: 2022-06-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a purchase on XX/XX/XXXX at XXXX XXXX XXXX XXXX using my Comenity Capital Bank Credit Card # XXXX XXXX XXXX XXXX. I paid Comenity {$1400.00} on XX/XX/XXXX from my bill pay checking account, the money was removed from my account XX/XX/XXXX, I paid my first bill on the credit card in full. Comenity sends me XXXX Bill of {$1400.00} plus interest amounting to {$1500.00}. Calling Comenity Bank did not help at all, I started documenting & sending certified letters. I sent my checking account statement showing money was removed on XX/XX/XXXX for XXXX. Comenity said they did not receive the money and to get a trace number from bank and open a comenity. net website about my account to expedite this situation. I got the tracer from my bank on XXXXand uploaded info to my comenity account. I contacted Comenity Customer Service on XX/XX/XXXX, I certified mailed documentation to Comenity and uploaded same on my account. I then see on my checking account on XX/XX/XXXX comenity credited my account to the amount of {$1400.00}. Then Comenity bills me {$1500.00} on XX/XX/XXXX. Clearly this amount is my original plus interest. So now I pay my original debt of XXXX to Comenity on XX/XX/XXXX and received a Confirmation 3 A XXXX. In closing I paid them originally XX/XX/XXXX, they claimed they never received it and wanted proof from my bank the transaction went through, which it did. Then they deposit my original debt into my account on XX/XX/XXXX. Then I pay on XX/XX/XXXX. Countless certified letters were meaningless, uploading documents to their website to my account were worthless. My last disputed letter I sent with documentation sent XX/XX/XXXX was responded on XX/XX/XXXX and attached was a letter dated XX/XX/XXXX which I never received stating they were never paid from my checking account on XX/XX/XXXX but they confirmed they my payment of XXXX on XX/XX/XXXX. I can't make this stuff up. I need to be vindicated from all said monies I owe Comenity Bank. I need to be vindicated to have a total clear record to credit card reporting companies since my credit rating went down a lot.
Company Response:
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have sent numerous requests to this bank requesting a credit limit increase. Unfortunately, each request has been denied for inaccurate and falsified reasons. I had spoken to representatives who had transferred the call to XXXX, or other Account Mangers when I asked to talk to a XXXX. XXXX XXXX Account Manager, said their phones arent set up to route the call to a manager. He instead routed the call to XXXX, also a Sr. Account Manager who initially introduced herself as a Supervisor. I had to speak to three Account Reps. ( XXXX, XXXX, and XXXX ) before speaking with XXXX Supervisor. The bank claims to have checked my credit to provide the reasons listed in the letter. The first lie, Reps were playing the role of Supv. The second lie, performing a credit check, my credit is locked, and Im notified each time someone attempts to run a check. The third lie, everything is system generated, and no persons are involved in the review process. Each Rep changed the response when I told them the previous Rep said there is a Credit and Risk department. XXXX submitted an internal complaint per XXXX. Given the integrity and honesty of these conversions and actions by the bank, how can we be sure his complaint record is valid.
Company Response:
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Comenity Bank has called me directly in the past and I sent them a letter in writing to cease calling me about the debt, approximately 60 days ago. They have ceased calling me directly but over the past 30 days have begun calling my family members and explained they are attempting to " locate '' me. Today I was there when they called my wife 's cell phone and so I spoke with the representative and reviewed the fact that I have informed them to stop calling me about the debt. The representative told me that they only had record of being told to stop calling me directly, but nothing in writing about calling my family members. That is false and also debt collection harassment.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: A credit card was opened in my name from XXXX XXXX through Comenity Banking. I sat through a timeshare program through XXXX XXXX XXXX. shortly after returning home from XXXX XXXX, I received a letter in the mail stating that my account is ready to be viewed. However, I never opened a credit card through comenity. I have yet to " set up my account '' online, as i am afraid that it will then start collecting interest on something that I didn't do/want.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2022, COMENITYBANK/WAYFAIR called my wife 's number to attempt to collect a debt from me. They had already been informed that they should not be calling me or my family ( I have filed a complaint separately for that issue ). When they called me on my wife 's phone, I spoke with the COMENITYBANK/WAYFAIR representative XXXX The representative told me they were calling to see if I wanted to avoid a lawsuit and which would ruin my credit. They said that though they had record of being requested to not call me, they wanted to attempt to give me the opportunity to avoid bad credit from losing the lawsuit they were about to file. The representative proceeded to make statements such as " So you want to ruin your credit? ", " So you want to lose in court? ", " So you would rather us file this lawsuit and ruin your credit? ". The representative repeated the same sentences regardless of my response, until I finally disconnected the call.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, CB/Victoria 's Secret is currently reporting erroneous information on my XXXX credit report. The debt was purchased by another lender and subsequently paid, however XXXX is still reporting a {$330.00} balance. I have contacted both CB/Victoria 's Secret and XXXX directly XXXX and to date they have not corrected the error. This erroneous debt reporting is causing me to be denied for credit and needs to be corrected immediately.
Company Response:
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I authrized a payment of {$43.00} on XXXX acct # XXXX when XX/XX/XXXX came I found out that my promotional rate had ended taking my {$800.00} balance to {$2800.00} I was very upset to hear this information since I had just paid the bill on XX/XX/XXXX and no letter no email was sent to inform me of these upcoming changes. After learning of these new charges I CLOSED the account without payment on XX/XX/XXXX and to this day never authorized or consent to any payments or payment arrangments on said account. XXXX then started Reporting on XX/XX/XXXX on my credit file payments made from XX/XX/XXXX till XX/XX/XXXX then the account went back into 30 days late status on XX/XX/XXXX the account reached charged off status on XX/XX/XXXX then XXXX started reporting additional payment made from XX/XX/XXXX thur XX/XX/XXXX after the account had been c/o and sold. I have reached out to XXXX several times in regards to this issue and they have continued to make minor changes to my report giving it a updated status when the issue has never been addressed which is ( WHO AUTHORIZED/CONSENTED ) to these payment that's been applied to my account without my consent I have never contacted XXXX to this day about payment when I asked XXXX who how these payment came about they have never addressed my concern only directed me to the debt buyer ( XXXX ) my concern Is not with who owns the debt. But the information XXXX is reporting on the original debt that only XXXX has reported not XXXX..By XXXX reporting such payments received has ILLEGALLY changed my date of first delinquency and is FALSELY manipulating the statue of limitation on how long a lender can report a debt. not only that XXXX has flipped flopped so much information so many times including changing my first date of delinquency from XX/XX/XXXX to XX/XX/XXXX from a charged off account to repo account and back to c/o account after certifying with the three major credit bureaus all information is accurate and true each time admitting one of XXXX reps made an error in reporting my information still refuse to delete the trade and still to this day can't explain to me how these payment came bout without my knowledge or consent I have also reported XXXX for FRAUD, WASTE, MISCONDUCT so that this matter can be investigated to the fullest of the law. I am the solo owner of this account and I mad no such payments never agreed or consented to many payments, payment arrangements made after XX/XX/XXXX in the amount of {$43.00} which in fact would make my first 30 days late XX/XX/XXXX .... how did these payment come about on my account
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard inquiry showing on my credit report from comenitycapitalXXXX I already contacted the lender and no accounts are open and or pending to be open with them. I have never open an account with this lender before and never did this inquiry to open an account with them.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A