Date Received: 2022-04-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Sometime during XX/XX/XXXX I was charge {$29.00} by the store XXXX XXXX XXXX XXXX in my Commenity Capital Bank XXXX ... XXXX, during the month of XXXX, I was out if the country, I realize the charge from the store and the late fees from the Commenity Capital Bank until XX/XX/XXXX and immediately I call and wrote to their Commenity fraud department, the Fraud department sent me to their customer service attendants, who at the time sent me to the store customer service. I call the store XXXX XXXX XXXX XXXX and complaint for the XXXX charge, since I did not authorize it, their claim was that it was an automate charge for membership, I never receive a notification asking for my approval on the charge nor I authorize their charge for the membership, their final response was they will remove the charge. I contact Commenity and explain the situation to their cuatomer service, the file a claim and promise to resolve this issue before 90 days. In the meantime, I have been charge interest late fees in the amount of {$130.00}, reported late on my credit report from a card that have a {$0.00} balance in the month of XXXX, XXXX. I call their customer service on XX/XX/XXXX to find out about my claim, and their reponse was that my claim was droped withouth a notification and/ or resolution. It seems that this is game played by the store XXXX XXXX XXXX XXXX and the Commenity Capital Bank to obtain Junk Fees.
Company Response:
State: TX
Zip: 78040
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Bank/Victoria 's Secret account was paid but is showing on the credit report that it is a unpaid collection/charge off on all three credit bureaus. It also reports conflicting information for the date opened and date last reported.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am filing this dispute against XXXX XXXX. I opened a credit card with them and they closed it before I could pay the final amount of {$120.00}. I have made multiple attempts both in person at the location I opened the account and over the phone to work with their customer service department about paying off this debt, and have been told over and over again that my account doesn't exist and they have no history of the the credit card account so they can not resolve the issue. XXXX XXXX made it extremely difficult to make payments on the credit card throughout the entirety of the card being open. They barred us from paying the card online or over the phone and forced us to come in person to make payments the exact day the payment was due or they would add a late fees. The last billing statement I have from them is from XX/XX/2019. I have been trying to resolve this issue ever since. I do not have a full account number for the credit card but I can provide the last 4 digits, a copy of the bill, as well as any other information needed to access the account and pay this debt.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This is a follow up to complaint XXXX CFPB closed the complaint after the company refused to open an account for me and refused to tell me why other than unspecified " irregular activity and/or security concerns. '' Clearly these aren't real concerns. If they were real, they would tell you or me what they are. I have a right to know if someone believes I've done anything wrong. If it's based on a faulty credit report, I can get that corrected. If it's based on defamation, I can take civil action. Most likely, the bank simply failed to do its job and made up a reason. The fact that they used " and/or '' tells you it's a form response and not a specific answer. I want a specific answer. And if they won't tell me, they should tell you. Why wouldn't they open the account? What " irregular activity '' do they think they know about? What was it? What was their source for it? What " security concerns '' did they have? What was it based on? Did someone on the dark web have my name and password. What is it? If someone has committed identity theft on me, I have a right to know about it, so I can report criminal activity to the proper authorities. As it is, the bank simply refuses to open an account for me and refuses to say why. I also want to know if they are taking retaliatory action based on my complaint with you, the CFPB. I did call them several times and warned them I would file the complaint with you if they wouldn't tell me why they wouldn't open the account. Doesn't he CFPB have power to require the bank to either open the account or tell me why they won't? Please do not close this complaint unless and until the bank answers with specifics as to what's going on here. If my financial standing is in jeopardy, I want to know why. If there is some false record about me in some secret file, I want to correct it.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am filing this dispute against XXXX XXXX. I opened a credit card with them and they closed it before I could pay the final amount of {$120.00}. I have made multiple attempts both in person at the location I opened the account and over the phone to work with their customer service department about paying off this debt, and have been told over and over again that my account doesn't exist and they have no history of the the credit card account so they can not resolve the issue. XXXX XXXX made it extremely difficult to make payments on the credit card throughout the entirety of the card being open. They barred us from paying the card online or over the phone and forced us to come in person to make payments the exact day the payment was due or they would add a late fees. The last billing statement I have from them is from XX/XX/2019. I have been trying to resolve this issue ever since. I do not have a full account number for the credit card but I can provide the last 4 digits, a copy of the bill, as well as any other information needed to access the account and pay this debt.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Bank is holding my funds without me being able to access funds Bank 's website is never working Bank never sent XXXX for XXXX tax reporting purposes Unable to close account and transfer fund
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had pay off all the 3 accounts that show on my credit report. I pay each one the exact amount that it was due and have not use the account any longer. They showing on my report. I pay them off in XXXX and spoke to them about balances showing on when actually I do not have any balances. The accounts are XXXX XXXX Victori Secrets and XXXX. If you need exact dates as when exact dates, please let me know.
Company Response:
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Comenity Back Will Call Numerous Times Per Day from various numbers within in second of each other back to back.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I may be reached at XXXX to confirm
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
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 purchased in-ear headphones from XXXX in XXXX of 2021 for {$5.00}. I understood that to be a single purchase with no recurring purchases intended. I apparently did not notice that they would continue billing me for additional services and products. They claim they sent an additional product for which they debited my account {$110.00}. I contacted Comenity and told them I had been defrauded and charged for something I did not receive. Comenity chose to believe the merchant over me and refused to remove the charges. I spoke with Comenity repeatedly disputing the charges. They refused and I closed the account. Although I understood from representatives with Comenity that the case was once again being investigated, they assessed me a late fee in addition to the original bill. Finally, after complete frustration, I contacted Comenity today and asked them to remove the late fee and I would pay the balance on the account. They refused to remove the late fee saying the account was closed. I want others to know how Comenity treats its customers. I have attached supporting documents relative to my plight with Comenity
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A