Date Received: 2022-05-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a XXXX card in 2021 and used in store. Last purchase was in XXXX of 2021 of XXXX USD but was paid XXXX days late. Since then i.e. XXXX of 2021 late fee upon late fees have been assessed to this card. I closed the card as well, but late fees continued to occur consequently. So far, XXXX USD of late fees have been charged to this closed card. The responsible bank is Comenity bank. At some point, XXXX started issuing aggressive phone call and text messages starting at XXXX am and continuing until late at night. The phone calls and texts were so frequent that I would receive 10 - 15 phone calls and txt a day. I have tried to call Comenity and resolve the issue by myself, with no success. I have found out Commenity is related with XXXX XXXX and XXXX XXXX credit cards as well- I have purchased with these stores and as soon as I have found out the credit card company related with these stores is managed by Comenity I have paid in full and closed those cards. I don't know how I could resolve this issue when I owe nothing to XXXX and don't want to support predatory and unfair crediting practices as these. Could you please help and assist? Thank you in advance,
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My account was paid in full. I called in advance to get the balance prior to paying it off. I paid the entire balance due as reported by their automated system.My credit report actually show a XXXX balance as of XXXX. There have been no subsequent charges on this account.I was charged a finance fee after the account was paid off. So in my opinion the company is not accurately providing the balance to the consumer. I have never had this happen before when paying off a credit card even when previously paying this one off. Furthermore they have started charging late fees. They are assessing fees on a fee. I was under the impression that fees were assessed on past due balance last not fees.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Go XXXX issued me a credit limit of {$4700.00} towards my dental credit. When I went to the dentist, they charged the card for the full {$4700.00}. I had been calling the dentist and the credit card to complain that this wasnt correct. XXXX originally told me there was nothing they can do about it and to resolve the issue with the dentist. After 2 years, I finally got the dentist to refund {$3200.00} that I had been paying interest on after pursuing legal action. After the dentist refunded the money, I contacted XXXX and had to speak with a supervisor because they would not refund my check. After speaking with a supervisor who informed me that they could have disputed the charges from the first time I called and alleviated all of this pain, suffering and financial hardships Ive been cause because of this. That supervisor then filed a dispute on my behalf. I received a letter stating that I would be refunded {$310.00} in interest charges. I was never refunded and the dispute was closed. I have called the company numerous times and was refused names, a # and have been hung up on each time. I finally spoke with XXXX XXXX who stated that was transferring me to a supervisor. I was once again hung up on by the supervisor and I am at a point of a mental breakdown trying to have this issue resolved. If someone from the corporate office could call me to have this issue resolved because I am close to filing a lawsuit. This is causing me great pain. Especially not to be able to SPEAK with anyone who can help me!!!!!!
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As per my conversation w/a representative from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was asked if I ever lived at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX. I explain to XXXX XXXX that I have never lived at this address. Also mentioned that my information was stolen, and I have been victim of fraudulent actions due to this matter. I separated from my ex-husband back on XXXX and around that time I also was able to find out that someone used my information to open several accounts and used an XXXX account, and went ahead and purchased an entire alarm system for their house, the only thing I remember was that their house was near XXXX XXXX area ( which again I have never lived in that area ). Unfortunately, due to everything going on that became an untouched matter. Back around XXXX I was reached out by the fraud department of elections as once again my information was tempered with. Obviously, XXXX XXXX XXXX is a very common name and is unfortunately because it seems that this matter might continue to happen. The above address I have never lived there and the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX was a house not an apartment. After that I moved to XXXX, then back to XXXX XXXX, and last to XXXX once again. Is obvious that based on the initial information I was able to collect this debt is not mine and is unfair that I must pay for someone else responsibility.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
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 Section2 : 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 and purpose.
Company Response:
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I went into my local XXXX store and made some purchases. As I was cashing out, the sales associate asked if I wanted to open a XXXX XXXX credit card. I explained that I had one many years ago and I wasn't sure if I was still in the system. They asked for my driver 's license and had me enter my social security number and they indicated that they were re-opening my account. When I received the card in the mail, it had my husband 's name on the account. That was perplexing since my husband never had anything to do with my XXXX XXXX credit card in the past, nor at this point since he is dead. I called the credit card company to get this corrected and it was determined that they had MY SSN on the account but somehow my husband 's name was in the Comenity system. I explained the situation and they told me without speaking to my husband, they couldn't provide me with any information or make changes. I reminded them that he is dead. They then told me that I could mail them an official copy of his death certificate. His death was traumatic, painful and still fresh. I decided that I would plan to close the account after I did my returns, etc. I made my final transactions and called on XX/XX/XXXX ( pymt due XX/XX/XXXX ) to pay the total amount off and close the account. I paid the amount it prompted me with to pay it off in full. I explained the situation to the attendant and advised her that I wanted the account closed. Initially she told me they couldn't do that since I wasn't the card holder. After enough debate, since if my husband was alive, he wouldn't be able to provide my SSN- they really just had an unusual mess. She said it would be closed. I then received a bill for the next cycle showing that I owed an additional XXXX. When I called on XX/XX/XXXX, I made the payment to " pay in full '' and made a good faith effort to do that. I thought, due to the conversation I had with the person on XX/XX/XXXX that this was likely an error and would be cleared up as they closed the account, etc. The following month I received a bill for XXXX. I called on XX/XX/XXXX and learned through the automated system that the account was still open. After listening to all of the options on the automated system, I discovered I could close the account by selecting that particular option. Poof - done without speaking to a person or an issue due to the name being incorrect, etc. I then asked to speak to someone, I asked to speak to a supervisor. XXXX, a senior supervisor, took over my call. I explained the situation. I advised her that XXXX XXXX was able to close my husband 's credit card by searching for his obituary online and confirming information with me. XXXX suggested I mail in my husband 's death certificate. I explained I will not be doing that - it's painful enough going through loss, then to have to deal with something like this that THEY created, and furthermore, I wanted the fees waived. She said she would pass that request along. She stated she completed a form indicating my husband had died and gave me Conf # XXXX. Comenity has seemingly decided to ignore my request, despite the upset they have created me AND I paid them in full, on time.
Company Response:
State: MI
Zip: 48911
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bread Financial ( Comenity ) does not properly disclose that withdrawals are limited to {$5000.00}. Accordingly, for example, a consumer may deposit {$200000.00} and then not have access to the funds except in {$5000.00} increments. I believe this bank is fraudulently inducing consumers and in violation of fedeeral law.
Company Response:
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have a credit on my account for {$200.00} and because I have a {$71.00} dispute company refuse to send me my money even the balance of {$120.00} and keep the {$71.00} while the dispute is still going but now they don't want to do that either. They're keeping my hard money they have as a refund in my account and holding it hostage until the {$70.00} dispute resolves which is pending meaning I am winning it and they are just waiting for it to credit through. I have called three times yesterday on the XXXX of XXXX and again today on the XXXX and yesterday I was told after going through several Representatives that they can in fact send me the {$120.00} and then my call was dropped as I was driving in my car. So I called today again and they are back to square one refusing to send me my money.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This accompany has Closed/Written-off this account and now I face a agency that has no legal right to my information, nor has the right to charge interest. I ask that this agency to send statement owed, together original instrument of indebtedness in its original form. acou # XXXX
Company Response:
State: TX
Zip: 77015
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX XXXX XXXX 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 an 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 and purpose.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A