Date Received: 2022-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: They say I charged and I say I paid cash. I have been trying to get them to talk to me and help me with the for a while. It happened in XXXX and they keep having excuses for why they keep charging me. I even sent extra money to make them stop and they wont! This is for Comenity bank - Maurices
Company Response:
State: MN
Zip: 560XX
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: 2022-05-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Opened a XXXX XXXX with Comenity Bank on XXXX. Through a series of unfortunate events, I had to return my purchase twice for a replacement. When the third and final purchase was made, it was not charged as a promotional purchase as I originally agreed to. I tried resolving with Comenity, but they refused to work with me on the issue. That is not the issue that I am filing a complaint about. I made my first payment on XXXX, and a finance charge was billed on XXXX. I have no issue with that, as my bill was due on the XXXX of each month. I made a payment in full on XXXX, XXXX days before my due date, and it was accepted, and my account was requested to be closed on XXXX. Comenity confirmed the account as closed, and issued me a credit refund balance on XXXX for overpayment on the payment in full, and then charged a finance fee on XXXX, and a late fee on XXXX. I received an additional minimum interest charge on XXXX. I paid off the finance charge from XXXX, the late fee from XXXX, and the minimum interest charge from XXXX on XXXX. I then received ANOTHER minimum interest charge on XXXX on this account, which was supposed to be closed on XXXX per Comenity 's email to me. Why and How do i keep getting charges posted to my account when the account was supposed to be closed.
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 1 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under XXXX XXXX 's name ) 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH, XXXX Upon calling XXXX XXXX to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.
Company Response:
State: OH
Zip: 45420
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a XXXX XXXX credit card at XXXX & XXXX XXXX XXXX. I normally do not apply for store credit cards as it means a credit pull and it impacts my score but I was buying a {$2000.00} card and the promo was that the purchase tax would be waived if I used XXXX. XXXX responded with I will be informed via mail within XXXX business days, which normally means a decline. I was shocked as my XXXX XXXX was XXXX. After more than two weeks I called customer service and I was sent around in circles with no answer but wait for the letter. I tried again after 3 weeks and I had the same problem. No one had the access to give me an answer and I was finally transferred a fourth time and the question was did you get a letter and I said No and I was cut off. Comenity Capital Bank which offers XXXX is breaking all the consumer regulations. My score dropped XXXX points because of the pull and I have XXXX added to XXXX pulls in 3 years which reduces my score and I have no reason for the decline. Thanks XXXX XXXX
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I keep logging into my XXXX NFL card to make a payment and see my balance. I have never missed a payment. I login with my autosaved credentials and receive the message, " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' I call the number and am received by a person in a call center in another country ( feels like fraud. ) I go through the verification process and they state that, " The NFL Portfolio has been purchased by Comeity Bank and I need to call the number XXXX for support of this account. '' I call the number and the computer states, " we are experiencing technical difficulties, please try again later. '' I do not care who owns my debt. I do not want to be monetarily penalized, mu interest rate affected, or have my credit affected because they are disorganized.
Company Response:
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter from XXXX XXXX XXXX threaten to sue me over an alleged debt and I don't have a contract with them and I have never did business with this company at all. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that they are reporting the account accurately? What is the name of the person in their company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I do not consent to XXXX or any means of automated verification.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX of my store credit card were closed due to inactivity and/or information in my credit report. I have several cards through them and the only XXXX they closed had a XXXX balance. When they closed these accounts it affected my credit score immensely. The XXXX cards that were closed are XXXX XXXX XXXX XXXX$750.00} limit ; Forever 21 {$250.00} limit and XXXX {$250.00} limit. The reason they were not being used is I had to fix my credit and couldn't use the cards because I was purchasing a house.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Went online in XX/XX/XXXX to shop on store website - then to check available credit line since I had not used that account > year. Immediately noticed balance. Attempted to review statements available but only statements available showed interest and past due fee each month. Contacted creditor by phone, English obviously was not primary language for rep. Explained had no knowledge of purchase that rep said had been made back in XXXX. Explained to rep that I had made no purchase on my card since XXXX of XXXX and had paid that off in full, had not received any statement showing balance due nor any notice that a payment was do. Req credit for debt while they provided me with proof of the charge and credit for all fees or finance charges assessed due to circumstances. Also req any removal of negative reporting to CB. Rep replied would be able to waive one fee as one time curtesy. Req his supervisor as this was not a curtesy req but a dispute of a charge. Was disconnected by agent. Since then have verbally chatted with them in regards to the matter and to re-iterate now that they have started collection actions against me in violation of my consumer rights that they must cease and desist calling my work phone number. To date, I now receive a monthly statement each month with an additional fee and finance charges, They have my work number on a dialer that plays a recorded message to call them, My credit report now reflects a seriously delinquent if no now charged off account which has impacted my credit score XXXX points already. My last chat conversation with the company informed I would contact CFBP if they could not take the corrective action requested. Still no response from XXXX, still continue to report inaccurate data, still continue to call my work number every day.
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a credit card with XXXX for XXXX credit, I been 24 months making my payments even with the pandemic that sometimes was very hard to pay, I was making my payments on time. in the last month, I call the company I make a XXXX dollar payment leaving XXXX more in balance I request an extension to make the final payment before the interest deferred expire, the costumer services answer me the phone told me if I can't make the whole payment the credit card will charge an interest for the balance remaining, unfortunately, I loose my job after 9 years working in the company, am an XXXX right now also I request the mortgage company to help me with the payments in this hard situation, I trie to spoke to the manager from XXXX credit card, I explain the situation and I let them now that one of their agent give me a wrong information about the interest fee. they don't care and they don't show any consideration and charge me more than {$2500.00} interest fee in my account. I need help with this situation.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My problem is with Comenity, the company that offers the XXXX XXXX credit card XXXX XXXX XXXX XXXX is the URL for XXXX XXXX credit card XXXX XXXX When a purchase is made, it is " interest free '', as long as the " plan '' for that purchase is paid off by a certain date. I have 2 such plans : One for the engagement ring I purchased for my fianc ( who, sadly, passed away at the end of XXXX ) and the other plan was for another ring I purchased for her. On XX/XX/2022, I made a {$120.00} payment on my account. There was nothing owed on the account at the time, so I know the payment would not have been applied to any outstanding fees or charges. I requested that the payment be applied to my plan XXXX ( the plan for the second ring I mentioned ), as my intent was to pay this plan off before XX/XX/2022, at which time interest will be charged for the plan. As of XX/XX/2022, the payment has not been applied to the requested plan, nor has the payment been applied to my account at all as far as I can tell from my account page. The prior balance on plan XXXX was {$200.00}, and the balance of that plan remains the same at this time, according to my account page. The total amount owed on my account ( {$1000.00} ) has not changed since making the payment either. It seems to me that their intent is to run out the clock on this plan ( probably both plans, but I wont know that until I start paying on the engagement ring ) so they can start charging interest on the unpaid balance. I have sent 2 messages to them through their Secure Message Center ( which I have used successfully several times in the past for other matters ), but neither message was sent due to technical difficulties. So, basically, they declined to accept my inquiry into this matter. The last message I sent stated that I would be filing a complaint with the FTC against them if I did not receive a satisfactory explanation from them before midnight last night. Again, they declined to accept the message, so I am left with no option other than to file a complaint. I would like a full accounting/audit of my account from them, as well as an audit of each plan individually, so I can examine their accounting and payment application practices, at which time I will make a decision about pursuing legal remedies. I appreciate your assistance in this matter.
Company Response:
State: IN
Zip: 46385
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A