Date Received: 2022-04-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened XXXX XXXX Rewards card and always having issue with their payment system so trying to close it but even after getting confirmation on closure getting charged some fee or other. Comenity doesn't respond to call or on message centre. Their website is flawed & inaccurate to charge correctly and help resolve the issue. frustrated if you try to close the account, they don't respond. agent hang up on you. surprisingly they still expect to stock with you. I don't understand this company. have already tried calling, emailing, responding via website message XXXX but no resolution
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I want the CFPB to publish this description on consumerfinance.gov so that
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX, I contacted community by phone to close out this account and received a pay off amount of XXXX. I paid XXXX that evening. On XX/XX/2021 I contacted commenity by email message center to request a credit refund check because realized there was an overpayment on my credit card. Two payments came out leaving a credit balance of XXXX. On XXXX XXXX, I received a message confirming again my account was closed and a refund issued for a credit balance. I received no other statements or notifications of a balance on my account and assumed the account was XXXX and closed on XX/XX/XXXX. I received a text message from commenity one week ago and I logged in to my account to find a finance charge of XXXX that has blossomed to XXXX with all of the late fees over a period of 3 months. I called commenity immmediately and paid the XXXX by phone. I spoke to several people and both said my balance by phone was XXXX. I paid this amount by phone. Today I logged in again to check to make sure this account is XXXX and commenity processed a payment of XXXX leaving account credit balance balance of XXXX XXXX I truly believe there is something fraudulent going on with this company. This credit 0f -XXXX could cause the same issue if finance charges and late fees. I believe all of this was purposefully done. This is the second attempt to bring this account to a XXXX balance to close properly.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I did ordered 2 pieces of shoe racks from XXXX as a XXXX gift for my XXXXyrs old mother in XX/XX/XXXX. In XX/XX/XXXX one piece was sent with an email notification and immediately replied to the same email to cancel the second order since the product was not as described. The material was too cheap and does not hold a pair of shoes before it falls apart. I do have the email attached to the complaint document. Nevertheless, XXXX ignored my request and did send the 2nd order after XXXX towards XX/XX/XXXX. I called for a return packaging slip. Attached is an email as proof XXXX received the package and credited my account to XXXX balance {$0.00} as shown on the email. Few months after, I started receiving billing for the second order that was cancelled since I paid for the 1st order. XXXX sold this Account XXXX XX/XX/XXXX to " XXXX XXXX XXXX' in the amount of {$610.00} ( the shoe rack purchased costs {$28.00} each ). I hereby request from XXXX XXXXXXXX to delete {$610.00} from my credit report since the account is written off and not only that I do not owe XXXX nor XXXX XXXX a dime. This collection record is affecting my credit report in order to gain a reputable job in my career to feed my children.
Company Response:
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Dear Sir/Madam, To the Consumer financials, My name is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am hereby sending this letter urgently regarding my Comenity Children 's Capital credit card account in XXXX XXXX XXXX XXXX I am here writing this letter to let know that I settled the dispute with XXXX XXXX credit bureau and paid off the balance pending on the card. The transactions were missed due to mail lost or no intimation to make the payments to us and finally ended up with some credit score loss. The main problem is Neither XXXX credit agency nor Comenity Bank is taking responsibility or submitting the information to credit bureaus. This is against the federal law. Hence, I am sending this document. It is highly urgent for me to get this credit history be removed so it can boost up my credit score. With the XXXX credit agency my settlement dispute reference number is XXXX. you may want to confirm the same with the credit agency that we settled the dispute. Currently we are undergoing thru some mortgage loan and requesting with this letter that if its possible to erase this incident on my credit history as its impacting my mortgage loan and credit score. Please urgently call me at XXXX XXXX XXXX if you have any further questions on the same. I am attaching the payoff letter from XXXX XXXX as proof that you can report it to the credit bureaus as paid off. Sincerely XXXX XXXX Email XXXX Phone XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2022-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Today received a call about Victoria 's Secret XXXX and was told urgent matter needs to be resolved. Used threatening language. Have not used any type of Credit Card for that location in over a decade. Have no outstanding debt with Comenity Bank as they are the ones calling.
Company Response:
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: accounts by comenity bankXXXX XXXX XXXX account # XXXX home part account # XXXX is being reported by comenity bank as accounts that under a new contact, with old accounts back grounds.no court or attorney has contacted me of any such change, that would allowed comenity bank to change the accounts numbers, the back grounds remains of the accounts being federal law forgiven, the report of non allowed fees, interest, to those accounts, any thing comenity bank care to added to the accounts that's closed and federal law forgiven, is against the law.and the whole account should be removed off the credit reporting bureau 's XXXX and XXXX XXXX.now.documents ofthe credit reports , statements of old accounts, letters from comenity bank about the accounts, has been sent by ups with this ID complaint number on them.
Company Response:
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I started the problem on my own. I have a XXXX store card and the company sold there account to a different handle. I pay through my bank online bill pay and didn't delete the old account once I put the new account in. I paid to the old company holding the card, and when I was notified that I didn't make my payment I started questioning it. I found that I paid to the old holder of the account {$240.00}. I tried calling the old account and would just get transferred to the new place. The new place told me to email the bank transactions that were sent to the old account so I did. Then they told me I had to mail it in. They still say they never received it. I have paid off my account and they closed it because they didn't like the way I spoke to them on the phone. However, I never got my {$240.00} back in which they said they would get it from the old company that handled the account prior to them taking it over. Not only did I pay late fees, but also the balance twice. I will never get a card handle by community again. I have attached the two transactions going to the old account number from my bank.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I transfered XXXX $ online from my XXXX checking account to a separate institutions Comenity Direct financial account. The Comenity Direct account rejected it despite funds available. I repeated the transaction. This time the XXXX $ withdrew from my XXXX Checking account and transferred successfully to my Comenity savings account. On XX/XX/XXXX my Comenity savings account charged back the XXXX $ due to insufficient funds which is untrue as the funds where with drawn from my XXXX checking. So I never got my XXXX $ back into my checking account. I fought with them for several days with no answers. I then filled a dispute about the unsuccessful transaction from my original XXXX checking account. XXXX found the error was true then added my XXXX $ back. Then somehow Comenity Direct with Drew this newly added XXXX $ back to the Comenity Direct savings account again. The savings account again charged back another separate XXXX $ from my account now shorting me and stealing XXXX $ dollars! They have now stolen XXXX $ from me and I've exhausted all resources to get this money back to no ends.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hi. I urgently need help. I am in the midst of purchasing a home and got a notice from the lender Comenity Bank ( XXXX Credit card ) showing my payment was past due for 3 months. The amount past due was approximately {$190.00}. However, in XXXX XXXX XXXX, I spoke with a CSR regarding my account and re-enrolled in autopay. The CSR stated that my account would be good to go for auto pay as well as paperless statements for the next 12 months. In 12 months I would have to call back and enroll in autopay again. However, this was not the case. To make matters worse, this was the second time I've had this same issue with the same company. I've been a loyal customer and have never had issues paying my bill on time. NEVER. I attempted to speak with 3 different managers over the past 24 hours and have gotten the run around 3 different times on how to have this fixed. I advised the managers to listen to the recorded phone conversations from the last 2 years and theyll be able to see exactly what was said to me by their customer service representative. Nonetheless, I paid the account back up to date. All of my bills are enrolled in autopay and I receive E-Statements because I am hardly at home due to my work profession. I am so close to accomplishing a life goal of purchasing a home but these 2 late payment notices are the only thing hindering it. My credit score dropped over XXXX points and I need to have this late payment removed from my credit report.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A