Date Received: 2022-04-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called XXXX and made a payment and closed the account, now Im receiving emails about owing them and they keep adding more late fees to the account and no one is trying to help, theyre saying theres nothing g they can do because the account is closed.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. XXXX XXXX XXXX XXXX XXXX COMENITY CAPITIAL BANK/ ZALE is reporting a late payment to my credit report however I made payments during that time frame of the payment arrangement. I had follow all steps of making a valid payment arrangement via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I obtained membership at BJs and signed up for the Comenity BJ Perk Mastercard. I did not agree to the automatic renewal of membership. I was charged the fee for renewal. When I saw the bill it was {$120.00} due to late fees. It took months to get the charge cleared from the bill. I was recently denied an XXXX card as they report due to a credit score of XXXX on XXXX. I noted that XXXX reported overdue payments on charges that were not authorized which were eventually removed from the card. The credit report on XXXX does not reflect the company 's error. I called several customer services numbers and basically received little to no help. The persons in the call center kept repeating the " script '' and told me to launch a dispute by emailing the information to the company that can't be reached. Please help! Thank You XXXX XXXX XXXX Accounts with Adverse Information Account Name Account Number Balance Monthly Payment COMENITYXXXX/BJS XXXX - - - Address XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX ; {$55.00} from XX/XX/XXXX to XX/XX/XXXX ; {$86.00} from XX/XX/XXXX to XX/XX/XXXX ; {$120.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$750.00} from XX/XX/XXXX to XX/XX/XXXX
Company Response:
State: MA
Zip: 015XX
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: 2022-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Victim of identity theft some one is using my information to apply for cards. Please remove all the inquiries
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
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: This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX This account was paid off in full.
Company Response:
State: SC
Zip: 29841
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
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: This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was paid off in full.
Company Response:
State: SC
Zip: 29841
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contacted by a debt collector called XXXX on XX/XX/XXXX regarding a Commenity ( XXXX 's ) Credit Card Debt. Stating this was from 10 years ago, and defaulted 6 years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law. I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card XXXX years ago, but it was paid off. I have not had XXXX since then. The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my XXXX. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc. I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in Michigan the date debts expire is XXXX. I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received. The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up. They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a summons regarding an account I was not familiar with on XXXX/XXXX/21. I responded to disregard any legal action meanwhile disputing it with the XXXX main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the XXXX main credit bureas, they deleted it due to it not being my debt.
Company Response:
State: AZ
Zip: 85119
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have been a customer with the Victoria 's Secret credit card for about fifteen years. I called to ask for a late fee to be waived but they refused. Both the customer service representative : XXXX, and the account supervisor XXXX said that I was not eligible because they only waive them once every 18 months. I explained my situation to them, which is as follows : I have been XXXX XXXX XXXX and have missed work. Furthermore, my payroll has not been adjusted so that I can receive COVID-19 pay. I would like to know why after fifteen years as a loyal customer, this bank can not and will not waive a late fee so that I can catch up? This policy of once every 18 months is not a one size fits all, particularly during these incredibly difficult times.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Good afternoon, My name is XXXX XXXX and my account number is XXXX XXXX XXXX XXXX with Comenity- XXXX XXXX XXXXl. I am writing to DISPUTE the finance charges that were added to my account on XX/XX/XXXX, in the amount of {$1000.00}. I have maintained a compliant account with you all since opening my credit account and consistently paying {$130.00}, monthly. In XX/XX/XXXX, I purchased a new home and the balance of this account was included in my loan. My banking institution contacted you all and was advised my balance was {$1600.00}, as XX/XX/XXXX. Per my account, that payment of {$1600.00}, posted to my account on XX/XX/XXXX. I was under the impression my account was satisfied. On XX/XX/XXXX, a late fee of {$28.00}, was posted to my account. As I stated earlier, I purchased a new home and my address was not updated. When I received mail from my previous residence in XX/XX/XXXX, I contacted you all advised of the situation and that I was not aware of the {$28.00}, late fee added to my account. A member of your management team advised the {$28.00}, late fee would be waived and this would bring my account current and I would not owe anything. This discussion happened prior to the expiration of my promotional balance date of XX/XX/XXXX. The fee of {$28.00}, was not waived prior to the expiration of my promotional balance and the promotional finance charges in the amount of {$1000.00}, was added to my account on XX/XX/XXXX. The credit of {$28.00}, was not added to my account until XX/XX/XXXX. Another fee of {$28.00}, noted as promotional to revolving, was added to my account on XX/XX/XXXX. The bill that I received on XX/XX/XXXX, for XX/XX/XXXX, with a past due date of XX/XX/XXXX, as you still didnt have my current address, displays a balance of {$56.00}. I did not learn the interest was added to my account until XX/XX/XXXX, when I contacted you all again to resolve this issue. In summary, I have been XXXX finance charges due to the expiration of the promotion I was under in error and Im DISPUTING, those charges. I paid the balance of {$1600.00}, and was not aware of the {$28.00}, late fee attached to my account. Once I became aware of the {$28.00}, late fee, I contacted you all and advised by your management team that the late fee would be waived, and I didnt have a balance prior to the expiration of my promotion. The fee was eventually waived but it was after the interest charges were added to my account. If you would correct this error and remove those charges from account. Lastly, after speaking with several Senior Managers with your organization, I was instructed to write and DISPUTE the finance charges added to my account. I had to pay {$41.00}, on XX/XX/XXXX, to prevent reporting of delinquent payment to the credit bureau. This whole situation has been overwhelming and frustrating at the same time. I have always been responsible when it comes to my credit and this does not show me being financially responsible. Your company states, Were committed to making each experience with us exceptional and you have award winning customer care. If would you resolve this situation and removed finance charges added in error and provide the customer satisfaction needed for this situation. Respectfully submitted, XXXX XXXX Account # XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A