Date Received: 2022-04-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a my XXXX XXXX XXXX XXXX from community capital bank that I did not apply for, did not give permission to pull my credit, do not want. I visited a XXXX XXXX store on XXXXXXXX XXXX XXXXXXXX. This application that granted a card was started then. Every time you check out the cashiers try to push credit card applications. I always say no. Apparently these minimum wage bottom dwellers get bonuses for every application they get. The cashier obviously entered yes and also violated my credit by authorizing a credit check as well. I have tried multiple times to contact this bank to request this account be canceled, my credit be repaired, compensation made, and the XXXX XXXX cashier executed for their crime. This bank has made this an impossible task by jerking me around for hours on hold
Company Response:
State: OH
Zip: 44094
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Phoned to make {XXXX} payment over the phone on XX/XX/22. Balance was previously paid in full, yet accounts keeps billing at 28 %. Expressed all of this to representative and that I was attempting to pay off card for the second time. Was assured it was handled. Friday I received my statement indicating I was 30 days past due and that my payment was reversed. Received credit alert this morning indicating they had reported my account delinquent as well. Phoned them and was told they had incorrect checking information for me. My account numbers have not changed in over 15 years, I use XXXX XXXX. Once I read the checking and routing information to the representative, she confirmed it was incorrect in their system. I asked her to make note of same and she processed the payment again. My phone number nor email address have changed. Other than this statement received Friday this is the first I was made aware of their mistake. The representative processed my payment this morning and has removed the late fees that were tacked on as a result of their error. I am simply attempting to have the delinquency removed from my credit report immediately. I asked to speak to a supervisor, XXXX who refused to accommodate or assist me with reversing the delinquent mark on my credit report. I even went so far as to state that mistakes happen, human error exists. Yet, it appeared the supervisor was insistent upon reading her script. Note : the statement says returned payment, thats incorrect as they didnt have correct account to initiate a withdrawal. I have attached a screenshot of my account which shows that my other two Comenity accounts withdrew their payments successfully. The screenshot also shows the balance on the date of XXXX.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Capital Bank really needs to be investigated & held accountable for the outright misappropriation of credit card customers and their finances. This 'bank ' schemes to deceives honest, hardworking individuals. Most recently, the fact that this institution only recently began accepting automatic payments for some of its store credit cards is proof that they designed a system to fail the consumer. Attempted numerous times to establish auto payments with Victoria Secret & XXXX XXXX XXXX cards only to find out the Comenity Capital Bank system never properly established these payments, even though I received confirmation that these automatic payments were successfully established. This results in numerous late charges and fees assessed to the store credit card accounts, no available credit and a significant credit score drop due to these errors. The FTC should hold these institutions accountable.
Company Response:
State: NY
Zip: 14086
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I never ask for this card never received this card. Its not me
Company Response:
State: AR
Zip: 72032
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: 2022-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
Company Response:
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: TORRID closed my XXXX limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been a victim of fraud for since 2008. Im a XXXX XXXX XXXX XXXX. I served XXXX wars for my country. While XXXX my identity was stolen. Ive written XXXX, XXXX, and XXXX XXXX several times about fraudulent inquiries and fraudulent accounts. Ive disputed these items for years. They still appear on my credit file and its impacting me to be able to get a home and other credit. Please assist. The accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX, which are all paid in full even though theyre fraudulent accounts. XXXX XXXX which is a loan I never opened. And over 20 inquiries which theyre shouldnt be none. Please help me. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have multiple voice mails from Comenity bank regarding a XXXX XXXX. I dont know this man. I have had this phone number for 7-8 years. I told XXXX XXXX and XXXX XXXX that this number is not associated with XXXX XXXX and they keep harassing me. They call multiple times a day. My voicemail states this is the voicemail of XXXX XXXX. They are just harassing me at this point. They were obviously given a fake number by a thief. Not my problem. They refuse to give me there mailing address so I can send a cease and desist order. XXXX is one number they call from. When I block their number they call from an unknown number. Thats straight up harassment. The office number they leave on my voicemail is XXXX ext XXXX. Another ext XXXX from XXXX XXXX. I also have a message from XXXX XXXX, XXXX from XXXX ext. XXXX. The number XXXX shows XXXX XXXX. They are spoofing the phone numbers. Illegal. I want them to be held accountable for their constant harassment.
Company Response:
State: TX
Zip: 77536
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Victoria Secret lowered my XXXX limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called Comenity Bank on XX/XX/XXXX and requested a full payoff amount. I told them that I wanted to pay off the balance in full. I was given the amount of {$500.00}, which I paid, on that date, in full. Two days later, I was charged a fianc charge of {$12.00}. I had zero knowledge of this, had no idea I would be charged this charge, as in the past, if its paid in full on the due date, no interest is charged. The customer service person that gave me the payoff amount never mentioned this. My paperless statement went into my spam folder and I didnt even look for it because it was paid and I never had this card, expect this time in XXXX of XXXX. I was then charged a late fee on XX/XX/XXXX, of {$12.00}, because of the {$12.00} finance charge. I was then charged a minimum interest fee of {$2.00} on XX/XX/XXXX. I was then charged a late fee of {$26.00} on XX/XX/XXXX and a {$2.00} minimum interest fee on XX/XX/XXXX. I happened to look in my spam folder for a tax document on Friday, XX/XX/XXXX and came across an email that stated I was delinquent! I was shocked! And immediately emailed two messages to the dispute department. I suddenly was bombarded with phone calls from Comenity and no one would pick up. Finally today, XX/XX/XXXX, I got someone to answer and they sent me to someone that I was able to actually speak with. She tried to waive the one late fee and said I had to pay the remainder!!! I explained that I would pay {$12.00} from XX/XX/XXXX and that is it. She wouldnt do that and closed my card out. Now I dont know where I stand! Am I going to be reported to the credit bureau for account delinquency? This is a ridiculous amount of money that they are trying to make me pay, all for just having paid my card off in full! Per their customer service people! It appears they are trying to make as much money as they can by doing this and I think it is plain and simple theft! This is why I am reporting them! They need to stop this corrupt behavior. I want my account at a zero balance and I will never do business with this company, ever again.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A