Date Received: 2022-03-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Person filed an application for XXXX Rewards credit card with Comenity Capital Bank using my name and SS number or alternate number.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Comenity Bank has violated the FDCPA by causing my phone to ring with an automated telephone call requesting payment of an alleged debt on XX/XX/2022 at XXXX and XX/XX/2022 at XXXX. These calls are a violation of 15 USC 1692c. Comenity Bank has sent me an electronic mail message and letters stating it was attempting to collect a debt, using its symbol in the communication ( an email ) which is a violation of 15 USC 1692b. Pursuant to 15 USC 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) NOT STATE THAT SUCH CONSMER OWES ANY DEBT ; ( 3 ) NOT communicate with any such person more than ONCE unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
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 have been actively trying to communicate with Comenity Capital Bank in regards to derogatory remarks being reported on my credit file. During late XXXX and XXXX I communicated with this company that I was not able to make on time payments due to the pandemic. This company would not work with me at all and has been reporting these payments to my credit reports. Also, Comenity Capital Bank is in violation of my rights under laws. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I have clearly stated this in several letters and they have continued to report these transactions. I have sent letters to Comenity Capital Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to remove these payments.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: This company is clearly discriminated against me. On XX/XX/2022, I complained about an agent being rude and unprofessional. On XX/XX/2022, an agent contacted ma and left a message threatening to charge-off my account. XX/XX/2022, I spoke with the collection department supervisor about all the prior issues with agents not providing accurate information regarding payments I made on my account. Today I found out the decreased my credit limit from XXXX to XXXX I will be filing a discrimination lawsuit.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2022 I applied for an Arhaus credit card which uses Comenity Bank to process their credit card applications ; however, I never received a response regarding my application. Arhaus/Comenity Bank never issued an approval or denial letter for the credit card application. I contacted Comenity Bank on 6 different occasions and was either transferred to departments that were not opened, transferred to lines where no one answered the phone, told to reapply for the credit card, and/or provided my demographic information on more than one occasion to several different people who could not confirm my application status -- basically stating they have no record of me completing a credit card application. I then filed a dispute with XXXX, the credit reporting agency that Comenity Bank used to obtain my credit report since Comenity Bank said they had no record of my applicaiton, only for XXXX to state that the disputed hard inquiry could not be disputed because Arhaus/Comenity bank stated I actually completed the credit application. So, I am requesting a response to my credit card application, indicating that the application was approved or denied. Thank you.
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against COMENITYCAPITALBANK/XXXX for committing identity theft. I have never given COMENITYCAPITALBANKXXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Persians to 15 USC 1692c ( c ). I am demanding a feast and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COMMENITYCAPITALBANK/XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and COMMENITYCAPITALBANK/ XXXX continues its collection efforts, I will file for litigation for actual damages caused and COMMENIGYCAPITALBANKXXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Recently received a hard inquiry on XX/XX/2022 at approximately XXXX California time regarding a credit application which I did not submit. I received a security code which I have placed on all inquiries and immediately went to review on my XXXX XXXX account. Possible fraud on my account and information. Tried contacting the XXXX XXXX directly but could not get through to speak to anyone live.
Company Response:
State: CA
Zip: 92020
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: 2022-03-21
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 statement {$460.00} due XX/XX/XXXX. I paid {$460.00} XX/XX/XXXX. Paid the bill in full. A bill of around {$5000.00} that I paid off in 4 months. I had no idea that a {$8.00} bill was after the {$460.00} that was due XX/XX/XXXX that I paid off in total. Further, I never received a bill that {$8.00} and then {$16.00} late fee occurred. The only reason I knew that I owed BJs any additional money was because my credit report gave me a notification. Further, why would I pay {$460.00} and leave {$8.00} for the next month to be paid? Makes no sense. I would have included the $ XXXXwith the {$460.00}. Now this effect my credit score that I have worked hard to improve. I would like to report this and also have the fees taking off and my credit score fixed or taking off my credit report. Thanks.
Company Response:
State: PA
Zip: 19018
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: 2022-03-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: my initial credit limit was {$500.00}. I've never paid late or had any missed payments or went over my credit limit. The company DECREASED my credit limit down to {$100.00} on XX/XX/22. this affected my credit score because my balance was around {$80.00} at the time which made it look like i was close to maxing out my credit limit. it significantly dropped my credit score and usage amount due to the decreased credit limit. I submitted a verbal request for an increase and was denied.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a store credit card with XXXX issued by Comenity Bank last year that I attempted to pay off and close in XX/XX/XXXX. I called Comenity on XX/XX/XXXX to pay off and close my account and the representative said I needed to pay off the balance of {$200.00} to close my account. I paid that amount over the phone using my debit card and was assured that the account was closed and nothing more was owed. My XXXX and I also moved that month and didn't begin receiving forwarded mail for over a month. By that time, I hadn't received any mail from XXXX and had assumed that my account was closed and paid off. I received a statement in XX/XX/XXXX from XXXX and much to my surprise found that I owed a balance of {$75.00}. I called Comenity to see why I owed this money and was told that accrued interest of {$2.00} wasn't included in the {$200.00} that I paid on XX/XX/XXXX, and interest and late fees had accrued each month since. I went ahead and paid off the new amount because I just wanted to be done with it and was assured it would not happen again. The very next month, I received ANOTHER statement saying I owed {$2.00}, so I immediately called Comenity Bank who removed the {$2.00} charge and finally left me with a XXXX balance, which is what I intended and was told would happen last year in XXXX. I feel that Comenity was misleading in telling me that the balance would be paid off when accrued interest wasn't included in the payoff amount, and it seems borderline predatory to then charge late fees and additional interest on a {$2.00} balance that never should have existed.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A