Date Received: 2022-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For almost 1 year I have been charged with interest on a credit card that I paid the balance on. I paid the statement balance due on XX/XX/21 and a few days later, was charged an interest fee. I was told that the interest had not yet been added to the bill. Since I was under the impression I had paid the balance in full, I started getting late fee charges added to the account. Again, I paid the new balance of interest charges and the late fees on XX/XX/21. Yet again, I thought I was current on the payment, and again was charged interest fees after making the total payment. After dealing with this issue again, I paid another fee and asked the representative to close my account, and she assured me that once I made this last payment on interest fees and late payments that I would be done with the payment. Now, my account is closed and they are once again trying to collect payments on interest charges that were charged after the representative assured me that it was taken care of. I was told that now that my account is closed, nothing can be corrected. I just have to pay the {$14.00}. XXXX which is not a lot of money ; however, I've been charged for these interest fees for no reason and I keep having to make payments on a card that I paid the balance on almost a year ago. I have several credit cards and I've never had an issue like this whenever I've paid off those accounts. This isn't fair and I don't think it is right for Victoria Secret to continuously charge me for a card that I've already paid in full and closed the account.
Company Response:
State: TX
Zip: 78221
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Last year I bought a new car from a dealership around my area which took a lot of my personal since it was financed. Then few days or a few weeks later someone used my personal information to open 2 new credit card accounts which were not authorized by me. They applied and bought {$2000.00} or {$3000.00} worth of stuff using the credit cards including XXXX XXXX credit card and XXXX XXXX Credit card. I called XXXX XXXX credit card customer care and told them the whole situation and they opened a case for me which was like a few months ago now but unfortunately, I have not heard back from them. They said they will mail the decision and the investigation report but they mailed nothing to me. I am trying to get information over the phone but they said you should have received it in the mail they can not help me with that. So now I am trying to get what happened since the account is still active and I am still receiving statement mails from them even though I told them that it was a fraudulent account.
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit report act Comenity bank/ XXXX, XXXX XXXX XXXX XXXX XXXX credit card 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 an open end consumer credit plan as late for purposes.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX ; I am being charged late fees for unadjusted late fees, and am expected to pay something I am not responsible for due to misinformation by a XXXX XXXX representative. I have an XXXX XXXX XXXX that I enrolled in during XXXX of XXXX. I have been on time with my payments and generally have a good credit score history. On XX/XX/XXXX, I lost my wallet and with it, lost my ID documents and credit and debit cards. I requested a replacement for my XXXX XXXX XXXX, along with replacements for all my other lost documents, and took one week to closely monitor any transactions on my accounts. My XXXX XXXX XXXX payment is due on the XXXX of each month, but that week between the monitoring of accounts, freezing my bank accounts, and stressing about losing important documents ( including immigration documents ), I did not make my payment on Friday, XX/XX/XXXX. I realized on the morning of Monday, XX/XX/XXXX that I was late with my payment and immediately called customer service for my XXXX XXXX XXXX. I made my payment and asked whether I could have the late fees removed since I had been on time with my payments and I was only 1 business day delayed with my payment. The representative I spoke with let me know the full late fee would be credited to my account in my next statement ( XXXX ) and reassured me that I did not have to worry about the situation. I confirmed at various points throughout our conversation that with my payment that day ( XX/XX/XXXX ) I did not have to worry about paying any late fees and that the next month statement would reflect that. The representative assured me that this was true : I would not be responsible for paying any of the late fees and my next statement would bring my account current. Basically, all late fees would be fully credited to my account. Throughout the month of XXXX and XXXX I made no further purchases on my XXXX XXXX XXXX, and based on my conversation with the Ultamate Rewards XXXX representative, I understood that I would not be paying any additional fees for my XX/XX/XXXX statement due date. On Monday, XX/XX/XXXX I received an email notification that my payment for XX/XX/XXXX would be {$67.00}. I was immediately alarmed because I had made no purchases at XXXX since XX/XX/XXXX, and thought this amount might have been unapproved transactions from the physical XXXX XXXX XXXX I lost in my wallet in XXXX. I logged onto my XXXX XXXX XXXX account and saw that this statement amount actually came from late fees. The late fees ( {$32.00} ) were not removed from my payment in XXXX, as the XXXX Representative said that they would, and it showed up as a transaction for my XXXX statement. Because I had not made a payment for my XXXX XXXX XXXX in XXXX, late fees were added to my XXXX statement, bringing the total statement balance to {$67.00}. When I realized this, I immediately called customer service for my XXXX XXXX XXXX. That same day, Monday, XX/XX/XXXX, I spoke to XXXX in customer service. I explained my situation and she said she could not credit me for the XXXX statement late fees but she would credit the late fees for my XXXX statement. She said I could place a dispute so that they could review the phone call from XX/XX/XXXX and if the representative did provide me the wrong information ( claiming to remove all late fees and that I was not responsible for paying them ) then XXXX XXXX would credit the XXXX late fees as well. I told her I agreed to go ahead with the dispute and was confident the truth would be in my favor. She said a representative would get back in touch with me to let me know the outcome, and I requested that I also get a copy of the phone call back in XXXX to confirm that the credit card company was doing its due diligence to investigate my dispute. On Saturday, XX/XX/XXXX, I received a phone call from XXXX XXXX and I believed it was in regards to my dispute claim. The representative, XXXX, was calling to collect my payment for my XXXX statement. I explained the situation and she connected me to XXXX. I explained the situation again, and expressed my disappointment with this situation. I let her know I should not be made financially responsible for a representative 's misinformation about late fees, and that I would not be making the payment for XXXX because I was not responsible for that statement balance since 1. ) I had not made a purchase since XXXX, XXXX. ) I did my part to communicate with my bank about my initial delayed payment in XXXX, and 3. ) I had been informed by the XXXX XXXX representative in XXXX that I was not responsible for paying any late fees from that point forward. XXXX explained that the records on my account showed that my dispute had been resolved and that the phone call in XXXX was not found and so could not be reviewed, therefore I was responsible for paying my XXXX statement balance. This is another issue, it wasn't until I was connected to XXXX that I was informed that there had been a resolution to my dispute, and had I not, would there have been even more charges to my account due to XXXX XXXX 's miscommunication? I once again explained to XXXX my exasperation with this situation and asked to be connected with someone higher up, because there was no way I should be penalized for someone else 's mistake. I was connected to XXXX, a Senior Account Specialist, who said there was nothing else to do and that XXXX XXXX would not credit this late fee, regardless of what the XXXX XXXX representative said during my XXXX call. I am extremely disappointed with the lack of understanding, communication, and overall professionalism from XXXX XXXX. As I repeatedly stated during my various calls with XXXX XXXX representatives, {$67.00} may not be much money to some people, and it might not even make a dent in this credit card company 's losses, but it is a significant amount for me and I refuse to pay for something that seems quite honestly like a credit card company scam : charging late fees on top of late fees after dishonest statements from a XXXX XXXX representative. The last thing I want is to have my credit score ( which I have so carefully built over the past 5 or 6 years ) negatively affected after this situation and on top of that, to have to pay something I don't believe I am responsible to have been charged in the first place. Credit card companies should be held to the same standards of accuracy and honesty as credit card clients, and should be held responsible for misinforming their clients.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Comenity Bank/ Victoria Secret has been reporting an account for {$460.00} on my consumer report for a couple years now. They illegally sold the account to a debt collector involving my social security number which is considered my credit card. This has been without my knowledge and it is considered unauthorized use Pursuant 15 usc 1602 ( p ). This is defamation of my character and has caused me emotional distress. I am demanding that this account is removed from reporting to my consumer report permanently. I have sent Comenity Bank/Victoria Secret a letter certified mail XXXX XXXX and waiting for this issue to be solved immediately as it is stopping me from many opportunities over the years pertaining to extending my credit out to other lenders.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied after already being approved multiple times and received adverse action!
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Victoria 's Secret has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Victoria 's Secret before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Victoria 's Secret to furnish any late payments to my consumer report. It is my belief that due to Victoria 's Seceret business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi, I was having a problem with the credit card company Comenity Capital Bank as the bank that issues My BJ 's Perks World Mastercard account. Let me tell you the problem we were having, for once on XX/XX/XXXX, I was forgotten to pay my credit card bill with this company, I was paying for Purchases I made from ( XX/XX/XXXX to XX/XX/XXXX ) FULL BALANCE amount of {$1700.00}. 3 days late ( XX/XX/XXXX ) from the DUE date ( XX/XX/XXXX ) than I DO UNDERSTAND if the next billing cycle ( XXXX ) they will charge me for Fee charge {$29.00} and Interest Charge {$67.00} for the next closing date XX/XX/XXXX and the due date was on XX/XX/XXXX, for this fee was still makes sense. Than I was paying FULL BALANCE amount of Purchase I made on XX/XX/XXXX to XX/XX/XXXX, with the GRACE PEROID between the XX/XX/XXXX through the DUE DATE XX/XX/XXXX, with the Purchases balance of {$2600.00} + Fee charged {$29.00} + Interest charged {$67.00} the FULL BALANCE I was paying on XX/XX/XXXX was {$2700.00}. Which is mean I wasn't paying late because they was received my payment 5 days BEFORE the DUE date right? But guess what on the next billing cycles my Purchased balance ( XX/XX/XXXX to XX/XX/XXXX ) was {$1800.00}. The Due date for this bill was on XX/XX/XXXX, with that mean I still got the GRACE PERIOD from XX/XX/XXXX to XX/XX/XXXX right? They charged me Interest Charged of {$60.00}. And again I was paying them FULL BALANCE OF {$1800.00} + {$60.00} ( interest charged ) TOTAL BALANCE PAID ON XX/XX/XXXX was {$1800.00}. Which is once again I wasn't paying late AND was PAYING FULL BALANCE 8 DAYS EARLY. When I call the company they said that I still have the residue balance from the bills that I was paying late, what residue that they talking about? I was paying FULL BALANCE and that said I knew I don't have any residue payment because I was paying in FULL AMOUNT EVERY MONTHS. Than on next billing cycles the Purchase I made from ( XX/XX/XXXX to XX/XX/XXXX ) was {$2200.00} AND THE WEIRD THINGS WAS THEY STILL CHARGED FOR INTEREST OF {$44.00} and when I call them AGAIN they said that I got charges for interest in BETWEEN THE GRACE PERIOD from my previous balance last months, how that can be? It's just doesn't make any sense. I thought GRACE PERIOD means that they give us time to paying in FULL BALANCE BEFORE THE DUE DATE, right? AND ONCE AGAIN I was paying FULL BALANCE ON XX/XX/XXXX of {$2200.00}. for this billings cycle DUE DATE WAS ON XX/XX/XXXX AND that's mean I was paying EARLY IN BETWEEN GRACE PERIOD FROM XX/XX/XXXX to XX/XX/XXXX and I saw from my husband bank account they deducted our money on XX/XX/XXXX. That is ALSO mean that I was paid EARLY for 10 days. But they sent me email for the XXXX billings DUE ON XX/XX/XXXX FOR {$4700.00}. HOW CAN THAT BE? When I call them again the BAD CUSTOMER SERVICE SAID THEY DON'T RECEIVED MY CHECK FROM THE BANK????? BUT THEY DID DEDUCTED MY MONEY. Long story short they said that my bank was sent them check with wrong account number, that's just don't making any sense than my husband call his bank to making sure that they sent the money to the right account number and guess what they did, because I got the record of the bank sending them the check, I think they just make an excuse so they can be able to ROBBING me with all that ridiculous charges. So because of their ridiculous explaination my husbands bank said if they still can apply our payment to the credit card bills or bank can pull the money back to my husbands bank account, if they can't apply the payment on my account. So after I wait to making sure they get my money and that was recorded on the credit card statement at XX/XX/XXXX with the finance charge credit back to me of {$14.00}, but I still don't get it why on the same day they return my payment back to the bank for {$2200.00}. BUT the bank received the money back on the account on XX/XX/XXXX. Isn't that their tricks so I would GOT NEVER ENDING ridiculous INTEREST and FEE CHARGES? SO than I call the credit card company again to PAY OFF all my DEBT plus the interest ALSO CLOSE MY ACCOUNT with them, ALONG with the {$9.00} fee to payment over the phone but guess what, the CUSTOMER SERVICE REFUSED, they not let me pay the {$9.00} FEE because I must pay the FEE for the next billing cycle, this is RIDICULOUS. They try to TIE ME UP TO PAYING SUCH A RIDICULOUS CHARGES THAT IS NOT MAKE ANY SENSE, they try to PLAYING A TRICKS on me. Since maybe they thought I not speak good XXXX, because XXXX are my second language, so they thought I won't do anything with them ROBBING ME. So than I PAID OFF my DEBT with them FULL BALANCE AGAIN along with the DEBT from the BALANCE they returned to the bank + INTEREST, the total amount I was paying was {$5000.00}. That mean the INTEREST was {$280.00}. In my understanding was they did all this in PURPOSE so than they can get more INTEREST CHARGE from me by saying that they don't received my payment on XX/XX/XXXX and after we talk on the phone they APPLY the PAYMENT on XX/XX/XXXX to my card account, but because my DUE DATE was suppose in XX/XX/XXXX so that's mean they can't charge me INTEREST and LATE FEE or what ever FEE that might apply to my card, that is why they return my money to the bank. And the funny thing is when I ask them for the {$9.00} over the phone Fee, if I pay over the phone again will I got charge {$9.00} again?? THE BAD CUSTOMER SERVICE said that I can pay by AUTOMATIC PAYMENT OVER THE PHONE, she said it's FREE of charge. But guess what they TRICKING ME AGAIN, everytime I call the answering machine kept transfer me to the CUSTOMER SERVICE FOR XXXX, so than no way for me to paying the {$9.00} over the answering machine right? Than I ask the guy who was taking my payment over the phone and tell him that his company kind like want to TIE ME UP to pay the {$9.00} over the phone Fee, again and again and again it will be never ending payment, than the guy said he will WAVE the {$9.00} fee, which is great I thought at first. But I just got another Statement for payment DUE DATE XX/XX/XXXX, in that statement says I own them INTEREST CHARGED for {$28.00}. WHERE THAT CHARGES COME FROM? Since I paid FULL BALANCE OVER THE PHONE, for {$5000.00}. on XX/XX/XXXX. This last INTEREST CHARGE balance of {$28.00}, I won't pay them because I have the right to refuse to pay for the balance that I not owe them, since I was paying all in FULL AMOUNT for all the ridiculous reasons that they told me. And because I was PAID OFF ALL MY DEBT and I was closed my account with them on XX/XX/XXXX, but they kept bill me for some charges that is not making any sense. Please help me to resolve this problem, thank you so much in advance. Hopefully with your help this BAD BUSINESS can be done correctly, and no one will get this problem any more with this credit card company. Have a good day.
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an Arhaus credit card. The due date is the XXXX of every month. And the automatic payment can ONLY be set on the XXXX of every month. So I made a payment on XX/XX/2022 ( which is a Sunday ), Arhaus claims that my payment was made on XX/XX/2022 ( which is a Monday ) and then charged me a {$40.00} late fee. I am attaching a screenshot showing that the payment was made on XX/XX/2022 and the decision to impose the late fee was made on XX/XX/2022 ( although it was posted on XX/XX/2022 ). I talked to customer service several times, one associate said she will remove the {$40.00} fee but then she never did. I called back, and another associate said that fee can not be removed, still citing the reason that I made my payment on XXXX. I tried to use the online message portal and my message got denied every time. And the associate asked me to send a USPS mail to them and explain the situation. I think it is their tactic to deter people from reporting these unethical late fees.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XX/XX/2022, I was encouraged by XXXX XXXX to take out a new charge card, as they had closed my previous one without notification to me, because of lack of use. It took over two months before I received my actual card or my first statement. I realized this might be due to address change. I was not overly concerned until my repeated attempts to set up an online account failed. I did make charges during that time. I tried many times to set up a new online account it failed every time. It kept connecting to my old account that was supposed to be closed. On XX/XX/XXXX. 2022 I called a number that was supplied on the paperwork. I could not get a human, nor was there a prompt that answered my needs. I decided to pay my balance. I realized by now over a month had passed still no statement or card. I called again and tried to set up online again. It was all in vain. So, I called again the next day finally I got a human. A woman tried to walk me through setting up an online account it was not working it kept referring me to my old account, which was supposed to be closed. I didn't feel she was understanding my despair, so I ask to be transferred. I was disconnected. I called again, finally I got someone that was getting it she figures out my email was entered wrong on new application, which XXXX entered not me, she corrected the email and told me to try again. Opps we get disconnected. I called back paid my balance in full and cancelled my card. Finally, I receive my statements there was a late charge apparently, I made my payment 3 days late. I called again to try to remedy and state my concerns. 1 ) I never received a statement, 2 ) I tried to set up an online account many times. 3 ) most important I had no idea what day my payment was due. Once again. I found it almost impossible from There prompts to figure out who could help me, sadden I gave up. When trying to remedy the second late charged I received I called bill dispute and got straight thru. Who would have guessed? XXXX. first told me I was still getting late charges because a confirmation letter had not been sent, he would be sending that. I than ask what was going to be done about the late charges. His respond was he could not help because my account was closed. Ok, my head went 360!! I said I felt I was not responsible for these charges the mix up was mostly too due with you. He told me not to pay them. I ask for an email responds on this and he told me he was sending a letter. On XX/XX/2022, I get a letter saying my account is closed but I have to pay the late charges. The letter has a dispute id on top and the correspondence is a XXXX XXXX XXXX with bank ifo only. I did respond to the XXXX and also a XXXX XXXX on my statement. I call again I was told by XXXX she had no depute info and no info on how to start one, my account could of been reopened if done within seven days, she cant help me because my account is closed, yet she is going to continue billing my account and has no number of anyone who can help me.
Company Response:
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A