Date Received: 2022-04-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX XXXX XXXX XXXX Comenity XXXX XXXX XXXX : Billing Inquiries XXXX XXXX XXXX, XXXX XXXX OH, XXXX Re : Notice of disputed charge to Account No. XXXX Dear Customer Service, Billing Inquiries Department or Who it may concern. I am writing to dispute a charge of {$400.00} to my XXXX credit account for my billing period for the month of XXXX. The charge is in error because of the following : As you can check and review in my account I opened this account on XXXX XX/XX/22 and since my first billing I have been paying on time until current days, and following my habit of always paying on time for the month of XXXX I logged into my account and I paid the amount that I owed for the current month that was {$190.00} and I made that payment on XX/XX/22 with this I did my obligation and my status of my payment should be current, now for the month of XXXX XXXX receiving my XXXX statement and I have been charge again the month of XXXX ( I already paid on XX/XX/XXXX ) and also I have been charge the amount of {$30.00} for late payment and now I owe {$400.00}, which include : {$190.00} for XXXX {$30.00} late payment penalty and {$190.00} for the current month XXXX, when I received the email with the statement I proceed to call customer service ( on XX/XX/XXXX ) ( XXXX ) and I spoke with XXXX XXXX Agent number XXXX, and I explained my situation and he gave me as answer that the reason I have been charge and considered late is because the system took the payment I made on XX/XX/XXXX as an extra payment ( thing that doesnt make sense even tho whatever theory or math you do to decide that, because I paid on time ) because the statement closing date of XXXX is XX/XX/XXXX and due date is XX/XX/22 and and now the closing date for XXXX is XX/XX/22 and the due date is XX/XX/22 and the day XXXX writing this letter is XX/XX/XXXX ( which means XXXX current on my payments and on time ). After going with him since my XXXX statement and he noticed that he doesnt have the reason he hang up the phone call, and I recorded the whole conversation as proof that I can send at any time if you need it, the point of my claim is that if your system made a mistake and took my payment as an extra payment or according to your customer service representative if the closing date which means according to him is not on time, the most logical is that you fix that system error and XXXX ) remove {$30.00} dollar late payment penalty fee, XXXX ) the payment that I made on XX/XX/XXXX put it on that monthly payment and XXXX ) only charge me the {$190.00} instead of {$400.00} for the month of XXXX that XXXXm more than happy to pay and continue paying until my maturity date. I dont think that Im asking you to bring me the moon or put the fire off from the sun, I have been an on-time customer and I dont deserve the treatment received by your agent, policies, or system. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Enclosed are copies of [ describe any enclosed information, like sales slips, payment records, or documentation of shipment or delivery dates ] supporting my position and experience. Please correct the error on my account promptly. Sincerely, XXXX XXXX XXXX XXXX Enclosures : Account Summary, Transaction, and Statements, Scheduled payment confirmation email, schedule co [ List the documents you are enclosing. Send copies, of XXXX, XXXX, and XXXX statements.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I ordered some items and decided to return them. I used the pre-paid label that they sent and returned the items on XX/XX/XXXX. In XXXX I received a statement charging me for the returned items. I called and informed the company of this. They stated the account would be fixed. Well XXXX months later the account is not fixed and it has been reported on my credit file. I have called the company every month and still no resolution. I recently called the company and they verbally verified that they received the item back on XX/XX/XXXX. However no refunds were issued. XXXX XXXX is the company
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The complaint I have is with Comenity Bank, over the last three months I have requested validation on multiple occasions for debts that are listed on all three of my credit reports. I have been asking for validation of the debt, as well as evidence bearing my signature that shows I have a contractual obligation to pay Comenity Bank. I have not received any of the information that I have requested, and the negative tradelines are still listed on my credit report from all three credit reporting bureaus. Please HELP!!
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I contacted Comenity bank which holds XXXX of my retail credit cards, in regards to SCRA benefits. Under Louisiana state law, my husband and I should have the 6 % interest rate cap applied to our credit card accounts. Louisiana is a key provision state and under their SCRA law, debt accrued before and DURING active service, rates the 6 % cap. Comenity has refused to acknowledge this law. I have submitted my husbands XXXX XXXX orders as well as our marriage certificate. Every other credit card, including my credit union, has acknowledged and applied those benefits.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX I made a complaint about Comenity Bank via the CFPB ( XXXX ). I explained that I incurred some late reports on my Credit report due to XXXX and I submitted in documentation to prove my allegations asking the CFPB to help me. The CFPB submitted my compliant over to Comenity Bank and on XX/XX/XXXX Comenity Bank decreased my Credit Limit. I feel that Comenity bank deceased my credit limit in retaliation to myself submitting a complaint. I spoke to supervisor XXXX ( Employee ID XXXX ) on XX/XX/XXXX at XXXX XXXX whom stated that he doesn't see a reason why my credit limit would be deceased except if they were going by my credit history in XXXX. This is the same credit history that I wrote in about asking for my late payments to be removed from my credit report. Also Comenity Bank had already deceased my Credit limit for these late payments deceasing it from a Credit Limit of {$250.00} to a Credit Limit of {$150.00}. I have been making all of my payments on time currently my balance is at a XXXX XXXX. Comenity Bank did not re-run my credit as all of my credit profiles are locked, so they would not have the access to do so. Please investigate this retaliation on my behalf.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am writing out of frustration and uncharacteristic anger, re : an issue I've had with Comenity Bank and my XXXX credit card. I contacted an XXXX after receiving a paper statement ( I typically receive statement electronically ) with an overdue balance. This was disconcerting, because my balance of {$510.00} was paid in full online by my brother in XX/XX/2021. At the time, my entire household was ill with XXXX. My wife and I were ill, but we asked a family member to sign onto our computer and pay all of our bills in full. Today, I learned that because the bill paid three days late, the account was charged late fees. I now have a balance consisting of nearly {$200.00} of late charges and interest. I incorrectly assumed that Comenity customer service would help, given the extenuating circumstances. I assumed incorrectly. I initially spoke with a representative who offered a " deal '' of XXXX payment, if I made it in full. On principle, I asked to speak to a manager. In speaking with the manager, I was told that now the bill would be subject to an " escalation '' penalty with the total due asap. When I inquired about the initial " deal '' offered, I was told that asking for a manager would always trigger a penalty. I contacted Comenity and was told that the only recourse would be to file a complaint on their website, which I did immediately. I've attempted to do this three times, and after locating a hard to locate " Contact Us '' page. On each occasion, the form dropped the content and/or I was locked out of the account. I am disgusted and in need of assistance to resolve an issue that should have never been an issue. Please help.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid off my XXXX credit account and closed the account. Somehow comenity bank was still able to add interest onto my account ( keep in mind I closed it after I paid off the debt ) and wanted me to pay the interest that they accumulated into my closed account.
Company Response:
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I tried to contact this company about about 2 weeks letting them know that this account was open up fraudulent in my name and the party that open it up has passed away and this company has called me numerous a times harassing me in reference to this and now they are reporting this on my credit bureaus with fraudulent information and this needs to stop and whats crazy is that they allowed someone to open up this account without proper information and now its affecting my credit
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 a store credit card was filled out at the store CBXXXX that has a HIGH inquiry that I did not authorize consent..
Company Response:
State: MI
Zip: 48503
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: 2022-04-13
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: The debt collectors communication was extremely unprofessional. His tactic was very aggressive and profane. He was harassing me about my personal reasoning. I had asked him to call me back when it was appropriate because I was on my way to work. He then started to argue with me. I had already told him to document in my notes that I would pay my balance in full the next day. He continued to yell at me and when I hung up.. clearly my credit score took a hit because of his unprofessionalism.
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A