Date Received: 2022-03-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Complained about identity theft to this company many times. Read numerous reported from other fraud victims about this shady company not fixing their problems either. I have a police report to prove everything.
Company Response:
State: OK
Zip: 73135
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I HAVE CONTACTED THE COMPANY AND ASKED THEM TO STOP AND THEY CONTINUE CALLING ME EVERY DAY, 7 DAYS A WEEK. I EVEN PAY THEM!!!! BUT IT IS NOT THE AMOUNT THEY WANT, SO THEY STILL CALL ME 5-10 TIMES A DAY FROM SO MANY BURNER PHONE NUMBERS. THEY EVEN STARTED CALLING MY HUSBAND!!! WHO I NEVER GAVE THEM AUTHORITY TO CALL, AND THEY SOMEHOW GOT HIS NUMBER AND ARE HARASSING HIM.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The bank in question over a negative amount owed on an account that was closed by full payment and later reopened by fraud of company unauthorized by me.
Company Response:
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I mailed my credit card balance of XXXX to comenity on XXXX XXXX payment in full. Finally on XX/XX/XXXX my online profile showed my payment updated and that my balance was XXXX. A day or so after I went to delete my profile and noticed a XXXX late fee plus XXXX minimum interest fee being applied. I called customer service who first tried telling me that I had paid on line and that my payment was late but of course I had mailed in a money order. I was placed on hold forever, then the rep comes back and informs me per his supervisor my payment came in late on the XXXX. First it wouldn't have taken that long for the mail to have reached them. Secondly if this business is receiving mail that late in the day show me the envelope with the post mark. Also, my online profile shows where this company indicates a late fee on the XXXX on this acct and the due date isn't until the XXXX. I have my screen prints from my on line XXXX XXXX showing where my payment on the XXXX ( my due date ) was updated reflecting payment received on the XXXX. Also, I have a screenshot showing where this company applied the XXXX late fee on the XXXX prior to my due date of the XXXX.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
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 paid my balance in full and closed the card ( I have all the statements ) The following month they billed me for a misapplied payment ... .after the card was closed and all balances paid in full. They have been accumulating late fees without resolving the problem. I have filed a dispute with them but they have not answered the complaint with any proof that it is my responsibility. The latest statement is now {$110.00}, all late fees and my credit rating is being lowered because of it.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report is reflecting a new accounts that were opened that are fraud and not me. I think my identity was stolen. This includes an account for " XXXX '' as well as " Comenity Capital Bank ''
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I attempted to use my card on XX/XX/XXXX. It would not work, so I called Comenity to inquire. I was told I requested the card to be closed via secure messaging center in XX/XX/XXXX. I advised the representative that I did not make such request. I was then transferred to a supervisor, who reiterated that the card was closed via request in their website secure message center in XXXX. I advised the supervisor that there was no such message in my outbox. He stated that 'sometimes they get deleted. ' I asked why I had other messages in my outbox from the same time period. He stated 'some of them get deleted. ' I asked him to confirm that the only message he was unable to locate was proof that I asked for my account to be closed, and he said that was correct. He confirmed that the company had no proof of my request the account be closed, yet it was closed anyway.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: For the cards To whom it may concern at the consumer financial protection bureau. This account during the pandemic was hacked and fraudulently charged when my passwords were stolen. This way relayed to the company who holds the credit cards and told to reverse the charges, I will not pay for fraudulent charges by an actor unbeknownst to me, so they decided to charge off the credit card. Please remove this charge off from my report as it is inaccurate and predatory given the nature of the outcome from what happened. XXXX account # XXXX XXXX account # XXXX Thank you XXXX XXXX
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My payment is due on the 4th. I paid on the 4th. They are saying it was the 5th. My account on their site shows I paid on the 4th. They charged a late fee on the 3rd before it was due. I went to XXXX XXXX and paid off my account per the manager a week later. Comenity is saying I owe the late fee and finance charge and my account was not paid in full. I shouldnt have a late fee because they charged it before the due date per their website and it shows I paid on the 4th. The due date. They are ripping people off.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an account with Victoria secret and I was delinquent due to being unemployed. They sent my account to collections with XXXX XXXX. I paid XXXX XXXX and they said that comenity bank would update my credit report. It still shows my account is delinquent while everything else that I paid off its updated as current.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A