Date Received: 2022-04-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Comenity Bank for XXXX store card I've disputed this through XXXX I've spoken with agent I'm being harassed call after call when I'm at appointment church functions and I even explained I was making funeral arrangements for a family member to which I got 3 calls after that plus this account is from 2007 and should have been covered long ago
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX is trying to get paid for an account that I paid in full when i recieve the first bill. They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!
Company Response:
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have not ever received any written notification in reference to a Comenity Bank/Victoria Secrets Card . I had a Victoria Secret Card that was submitted with a XXXX XXXX XXXX that was filed in XXXX and discharged in XXXX. Since then I have not had a Comenity Bank/Victoria Secrets card nor have I received in written communication referencing a debt owed. I have not have any reporting to any CRA 's that a debt was owed, past due or charge offed. On XX/XX/XXXX, after relocating to Florida and starting a new job, I received a very threatening call from XXXX XXXX XXXX XXXX out of XXXX TX. The women told me that there was a warrant out for my arrest and that they had a default judgement against me, she verbally provided a case # and stated that I had until XXXX pm that day to pay to stop the warrant and final judgement. I working as a XXXX in the XXXX XXXX and can not have any negatives on my credit. So in fear I immediately paid the debt without verifying if the debt was even valid. The women knew all my personal info and sounded very convincing. I emptied my savings and paid {$3100.00} to XXXX XXXX XXXX. I received a letter from them confirming debt paid in full. As of XX/XX/XXXX I have started receiving calls for the same debt stating that same a warrant and default judgement being issued. I started receiving calls from XXXX XXXX XXXX say that I owe for {$1700.00} in fees to include an amount of {$390.00} being part of the original debt. I contacted Comenity Bank/Victoria Secrets company on XX/XX/XXXX who stated that they do not show a card or a past due debt referred to a debt collector. I called XXXX XXXX XXXX who stated that they have no cases or judgements pending or ever filed against me. I checked my credit reporting and no such debt shows on my credit file. XXXX XXXX XXXX, have been rude, threatening and demeaning and have not provided any proof of this debt. They have not provided anything in writing, nor over the phone when I requested both. I told them I do not owe anything and that I am not required to pay on this debt per the protections under the FDCPA. They call from different numbers, they answer the phone by saying just hello, they do not say that they are debt collectors or that their line is being recorded. I have told them I do not owe this debt and they keep calling. These companies are not practicing in accordance with the FDCPA and consumer protection laws. I am needing your assistance in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TiXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
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/XXXX - placed order for 4 appliances with AXXXX XXXX XXXX logged in to check on delivery of order to discover that 3 of the 4 items were on backorder, called XXXX XXXX to determine their delivery date. XXXX XXXX could not tell me when they would be available. I asked to cancel the entire order because I needed all 4 items. XXXX XXXX XXXX had still not cancelled the order. XXXX XXXX stated that 1 item had shipped and there would be a charge of XXXX. I provided documentation from XXXX showing them that the item had not shipped ( see pages 4-5 ). XX/XX/XXXX - I received a partial refund from XXXX XXXX XXXX XXXX field a dispute with XXXX XXXX for the remaining balance. ( pg 3 and page 7 ) XXXX XXXX XXXX sent a letter saying dispute was under investigation. XXXX XXXX XXXX refunded a partial amount leaving a balance of XXXX which I was still in disagreement over. XXXX Commenity Bank sent a very vague letter. XXXX I called and spoke to Commenity and they stated my dispute had been closed due to the XX/XX/XXXX partial refund. I stated I disagreed with that outcome and am still disputing the XXXX that had been withheld. I was connected to a supervisor who reopened the dispute and asked me to send the XXXX documentation ( pages 4-5 ) as evidence that the item had not shipped and a full refund was due to me. XX/XX/XXXX - Received a letter from Comenity saying the dispute was under investigation XXXX Comenity sent another letter stating they could not fulfill my request. XXXX Called and spoke to Comenity and explained they reached the wrong conclusion and that because 1 ) XXXX XXXX had not been transparent up front about items being on backorder they caused the order to be cancelled and 2 ) that the item had never shipped in accordance with the XXXX XXXX. I stated I would not pay the bill and that I was totally dissatisfied with how Comenity handled these 2 disputes. I stated I would file a complaint with the CFFB. Comenity then asked if I would talk to another supervisor. I was then placed on a 10 minute hold and connected to a staff person at XXXX XXXX who refused to help me. Comenity Bank was deceitful and did not tell me they were connecting me to XXXX XXXX. Once I found out I explained to them that I thought I was speaking with Comenity and that they were supposed to be acting on my behalf. Comenity Bank has acted on behalf of XXXX XXXX in this entire matter and has not represented me in any way. Comenity wants to put money in the hands of XXXX XXXX at the expense of the consumer. XXXX XXXX never told me that my first dispute was not resolved, I only found this out when I phoned them to follow up on the issue. Comenity Bank is not in compliance with federal credit card laws.
Company Response:
State: MT
Zip: 59701
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had my purse lost a few years back and now I'm seeing things on my credit report that does not belong to me.. Each account is showing up as inquries and or closed accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX The company has not removed anything
Company Response:
State: MO
Zip: 64012
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The company is Comenity Bank. I have a credit card with them through XXXX originally. The card was changed from a department store/furniture card to a regular credit card about XXXX years ago. The issue that I continue to have is being able to simply log onto their website and make my monthly payment. My password and login are always rejected by their system almost every month and I have to end up getting a new password. I have done this several time and each time the password ends up needing to be reset. Most of the time I end of moving on to another task and forgetting to make the payment which makes the payment late. The last time this happened ( which was around XXXX or XXXX months ago ) I called to see if they would refund me my late fee and they refused stating that they have other payment options. When you have other things to do and you sit down to pay bills which I do every month, I do so all at XXXX time. Like most of us we are at computers most of the day so paying online is most convenient. So having to remember to call this XXXX credit card company ( I do not do this with any other bills ) is the reason why I keep paying late. They even acknowledged that their company has consistent issues with people being able to log into their account online but offered me no solution for THEIR issue with THEIR website. This has been a problem the entire time that I have had this credit card. I would just like the problem resolved and my late fees refunded.
Company Response:
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I need Arbitration or a Judge to resolve the following situation : On XX/XX/XXXX, I purchased a XXXX XXXX totaling {$4200.00}. XXXX XXXX and XXXX was authorized to pay {$180.00} for 24 months. From XXXX, XXXX until XXXX, XXXX, this account was setup for automatic repayment by XXXX. During this period, XXXX bank paid XXXX each month, sometimes twice a month to Comenity bank. In early XXXX, I kept getting bills from Comenity Bank and one final payment was required by XXXX. In other words, as of XX/XX/XXXX, a balance of {$140.00} remained for complete debt repayment. Since XXXX was changing name to XXXX between XXXX an XXXX, XXXX, I assumed XXXX was responsible for the final payment. While trying to resolve the last payment, I found that Comenity never requested a {$180.00} payment in XX/XX/XXXX. Furthermore, because of late fees and a XX/XX/XXXX bill, Comenity charged me over {$1500.00} for Finance and Other charges. I never anticipated any late payments by XXXX. On XX/XX/XXXX during a three-way call with Comenity, XXXX and myself, I authorized another payment of {$350.00} per Comenity 's request. Currently, after many phone calls and letters, neither bank claims responsibility for late fees. Comenity keeps sending bills and my credit rating has gone from Excellent to XXXX XXXX XXXX XXXX XXXX, I can not afford these charges I need some explanation or help with this situation
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I submit an application to open a savings account through Comenity direct. I was intrigued by the rates and I was in the market for low risk investments. I went through the application and made an ach transfer from my primary XXXX XXXX The next day, I received an email giving instructions on how to log in to my account-I was not provided an account number. After some research, I discovered that many people had issues with customer service being unavailable and issues with transfers. I decided to open a savings account with a more well known bank and close my account with Comenity direct. I called them on Sunday, XX/XX/XXXX and the representative confirmed that she put in a request to close my account and have my deposit transferred back to my original account. I checked my primary XXXX account the next day and my funds had been successfully transferred to Comenity direct. I decided to call again XX/XX/XXXX, to check on the status of my account and transfer. I was hung up on a couple times while being on hold and I finally was able to get a hold of someone, only to have her confirm that the account was closed and that the transfer had been initiated and would take XXXX business days. She also confirmed that I would receive an email confirming my account would be closed. I waited until XXXX XX/XX/XXXX, and I still had no email and my money was still not back in my account. I decided to see if I could access my account and transfer the funds on my own so I called again on XXXX and the representative, XXXX informed me my account was open and active. I accessed my account for the first time after receiving an account number from her and saw that my {$1500.00} that I had transferred was still in the account. Nothing had been done by any of the representatives I spoke with. I decided to transfer the money by myself and attempted to add my XXXX account. Per usual processes, I was told I had to confirm my account by reporting the small deposits Comenity made to my XXXX account. No deposits were made and today ( XX/XX/XXXX ) after checking, I am now unable to add any external bank to my account. I have no means to get my money back as the only account I can add is another comenity account and customer service has been very unhelpful as they have not done what I requested. I was told by 2 representatives that my account would be closed and my money retransferred and the third representative tells me my account is open and active. I have utilized their chat system and their automated response informs me that someone will reach out within 1-3 business days.
Company Response:
State: CA
Zip: 92835
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Each month I have paid my balance in full. In XXXX of XXXX I did not make my payment by XXXX cents because I switched the numbers. In XXXX of XXXX I paid in full in XXXX I made two payments one in XX/XX/XXXX and one on XXXX that totaled my full balance and then some. I then got my statement and noticed a {$16.00} interest charge. They said its a rolling interest because I did not pay my balance in XXXX. So even though I have paid my balance in both XXXX and XXXX because I made two separate payments in XXXX before the due date I am charged a fee. I called and said this was a new policy that was put in place during Covid. I spoke with XXXX and he said it can not be refunded. I am disgusted that I was charged XXXX after I pay my balance in full. This is through BJs whole center commenity bank. They offered no help.
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A