Date Received: 2022-05-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received repeated calls all day long every hour since XXXX this morning.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late purpose.
Company Response:
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, had violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I initiated a balance transfer with XXXX XXXX XXXX on XX/XX/XXXX from an account I have with XXXX XXXX. I was immediately concerned as the confirmation email did not have any details such as account number for the money being transferred, only XXXX XXXX 's name and the amount of {$1500.00}. I called on XX/XX/XXXX to confirm the details and told to expect an email with details I called on XX/XX/XXXX to express there weren't any details and was told it takes up to 30 days to process. They could not confirm the account number it was sent to I called on XX/XX/XXXX after realizing the amount was charged to my Comenity account and again was told it takes up to 30 days to process I called on XX/XX/XXXX and was finally given a transaction number and the last XXXX of an account number that doesn't match any account I own. I was advised by the Comenity customer rep to file a dispute. I called XXXX XXXX on XX/XX/XXXX to see if they could locate the transfer on their end with the minimal information given and was told need the full account number to be able to trace the money on their end. I called Comenity 3 different times over XX/XX/XXXX and XX/XX/XXXX to get the full account number and was given 3 different answers regarding when it would be sent to me and how. I sent a secure message to Comenity on their site on XX/XX/XXXX after none of the other promised emails arrived requesting the full account information. I received a detailed letter from XXXX on XX/XX/XXXX in response to my dispute which provided a great deal of information including that my {$1500.00} balance transfer was sent electronically along with {>= $1,000,000} plus in other monies but only the last 4 of the account number was provided I called XXXX XXXX again on XXXX and they could not trace it with the information provided by Comenity. They also told me they would have certainly sent the monies back within 10 days of receipt without being able to attach it to one of their accounts On my 3rd attempt through secure message on the Comenity site they sent back the account number as XXXX which is not even a XXXX XXXX MaserCard number. The only numbers provided were the XXXX XXXX
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The Store is Children 's Place and the Credit Card company is XXXX XXXX XXXX. I paid the balance of the card on XX/XX/2022 of XXXX thinking the card was paid off I didn't check the card until I received a notice in the mail on XX/XX/2022 and I went ahead and paid the XXXX and they waived XXXX in late fees. I tried calling them since now I have a negative report on my credit for this and they would not take the negative action off my credit report. On XX/XX/2022 they put a finance charge of XXXX on my card after the date of me paying it off then it began the snowball of finance charges and late fees as follows. XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX. I should not have paid the XXXX and I should not have a negative against my credit score from them. They are a scam and need to be investigated.
Company Response:
State: VA
Zip: 22556
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off and closed my XXXX XXXX XXXX XXXX credit card on XX/XX/2022 which included a {$35.00} late fee for being 1 day late. Weeks after I closed it comenity bank ( card issuer ) added an interest fee on and told me if I didnt pay it they would charge additional fees and interest. The fee was only {$2.00} however after having it paid closed and they sent me a letter showing it was paid and closed they randomly add additional " interest fees '' and then threaten more penalties if not paid.
Company Response:
State: SD
Zip: 571XX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2022 I initiated a balance transfer with Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX. They gave me a promotional transfer fee offer and 0 % interest promotion if I transferred a balance to them. I initiated a transfer from my XXXX XXXX XXXX in the amount of {$3500.00} to Comenity bank. They took my balance and never paid XXXX XXXX, so now I have double the debt. Furthermore, they never notified me that they never paid XXXX XXXX. I found out because I called XXXX XXXX first when I saw my account balance was still high and they told me they never got paid. When I followed up with Comenity, I found out that their system had a " glitch '' and they never notified me of that happening. They then told me they opened a dispute and it will take 90 days for this to be resolved. In the meantime, I need to pay XXXX XXXX and Comenity. Comenity is stealing from me. To me this seems like a financial institution having cashflow issues from mismanaging their business and stealing from consumers to keep afloat. Please help.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Unbeknownst to me, I had an automatic renewal charged to my Comenity credit account in the amount of {$20.00}. I was not aware because I never received a statement via email ( paperless statement ) until I orderedmy credit report. There or about the same time, I was contacted, several months later ... with a balance of {$84.00}. At which time, I was told that I needed to pay the past due amount of {$47.00}. I paid that amount and was assured that the negative impact on my credit report would be removed. A month later, I see my credit report is still reflecting the negative impact. I call Comenity and find out that I now have a balance due of {$1.00}. I pay the bill and ask that they remove the negative impact. I'm then told that there is nothing they can do about their intentional acts of fraud. I closed the account.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I first noticed fraud on my credit report in 2021. I thought it could be a mistake and it looked as if a credit card was opened and paid off that I did not recall doing. Then another card was opened and not paid off. It is 90 plus days past due and I did not open it. Its a credit card under Comenity Bank XXXX XXXX opened in Ohio under my social security number and name. It was opened in a XX/XX/2021 and I disputed it online but it is still active. I have disputed with the credit card company and XXXX. My credit keeps decreasing almost every day. My credit has gone down more than XXXX points. Please help.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account was closed back in XXXX. Company was still charging a small monthly fee of {$2.00} and because I was unaware of the fee they charged me a late fee. The late fee was reversed on my account and the account was paid in full. I am not sure why I still have a balance with this company as I should not. I have attached a letter stating that the late fee was reversed.
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A