Date Received: 2023-10-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I originally had this card when it was XXXX and never had a problem in making payments but when it changes to comenity bank it was always an issue with log in or multi system down trying to set up payment. Its like they purpose locked their system so you couldn't make a payment or time. They have poor customer service .long log in times. They have attacked my credir score because no matter how many times i send them payments they are over charging me in late fees calling me 20 times a day even when i making payments. Big issues is their online payment is always broken or doing up dates so you cant make a payment and they block u the datw you aew trying to pay them on time so they can keep charging you out rages fees. I want them to remove these crazy late fees and remove this late credit ni score n i have paid them every month
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had a XXXX balance on a XXXX XXXX / XXXX card. Called to cancel asked the lady on the phone to cancel the account no less than XXXX times. At the end of the call she said it was closed and I hung up. Now on my credit report it shows I owe {$230.00} due to there exorbitant fees.
Company Response:
State: ID
Zip: 83651
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am formally complaining against COMENITY CAPITAL BANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have contacted COMENITY CAPITAL BANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that COMENITY CAPITAL BANK stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. Thank You XXXX XXXX
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Comenity Bank/Now XXXX XXXX I have a credit card with this company. I had a 2 couch purchase in XXXX with 0 % interest for 4 years. I have diligently paid every month for that time. My balance was down to {$100.00} the final month for which payment was due XX/XX/XXXX. My minimum payment was {$530.00}. I paid {$600.00}. Every month I pay the minimum payment and money is applied to the Promotional balance. In XXXX, {$76.00} was applied from my payment which was lower than XXXX. I figured with my paying {$65.00} over the minimum due, that that would cover the remaining {$100.00}. I called the institution on XX/XX/XXXXXXXX to make sure that my {$600.00} payment covered the promotional balance due. I was assured in no uncertain terms ( twice ) that it DID cover the promotional balance. I asked for this to be notated on their system. The representative stated that ALL calls are notated. Today, on XX/XX/XXXXXXXX I received my XXXX statement that was mailed on XX/XX/XXXX, stating that I still owed {$28.00} on the promotional balance and that it was due on XX/XX/XXXX. This would mean that I will likely be charged 4 figures in interest dating back to XXXX. I was diligent with the payments on this account. I verified I covered the balance, yet, this happens. Let me add that the XXXX statement reads as follows : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan WV INT XXXX XXXX XXXX of {$100.00} by XX/XX/XXXX any remaining balance will be assessed interest at the standard purchase APR. '' In the XXXX statement, the verbiage is changed : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan XXXX XXXX XXXX XXXX balance of {$28.00} by XX/XX/XXXXXXXX any remaining balance will be assessed interest at the standard purchase APR. This payment needs to be IN ADDITION to your minimum payment due. Then there was some language about automated payments, which I do not have. The company never makes clear what amount would be necessary to pay off the promotional balance, while keeping in mind that even minimum payments have funds applied to the promotional balance. It is funny how there never was verbiage about the payment needing to be done IN ADDITION to your minimum payment due on XXXX 's statement. Also, note that the statement was mailed on XX/XX/XXXX for a payment that was due XX/XX/XXXX. Bottom line : I was assured on XX/XX/XXXXXXXX that my payment of {$600.00} covered the promotional balance. I called the institution today and voiced my complaint. They stated that they have filed a grievance on my behalf and would receive a mailed answer in 7-10 days. This is my second issue with this CC company. I am going to find another CC company to transfer my balance to once they have corrected this obvious mistake. XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I submitted my regular ontime payment via XXXX, a 3rd party payment processor, as I have done for at least the past 6 months, and on XX/XX/2023 the payment was returned due to invalid account number, which is absolutely an error due to the fact all of my past payments were processed under the same account number and I was not informed that my account number changed. On XX/XX/2023, my bank sent a balance transfer payment for the complete balance amount via snail mail to the same account number to the payment address on my credit card statement. After XXXX business days my account was NOT updated to reflect that the payment actually posted, so I sent secured messages at the Comenity Full Beauty website, and on XX/XX/2023, Comenity sent me 2 letters, the first claiming it would investigate the dispute, and the second letter requesting more information on the payment. On XX/XX/2023, I received the proof and letter from my bank with verification of the payment, the account number, and payment address. O sent this information via certified letter and uploaded it to the secure message site as well. I also researched Comenity 's defective business and operational practice of failing to process snail mail payments it claims as a valid payment option for XXXX 's of consumers. I have discovered that Comenity 's claim to consumers that snail payments are a valid payment option, are in fact actually unfair and deceptive business practices in that Comenity knows but doesn't report to consumers that it actually has no intention to process snail payments and in the alternative frustrates the process by not confirming receipt and processing such snail payments to fraudulently induce consumers ( and their banks as in my case ) to only accept online via Comenity 's website electronic payments and all others to fraudulently claim no record or receipt of consumers ' snail payments which has caused me countless hours of time and energy and frustration only to find out that this is a fraudulent business practice including failing to correct some Artificial Intelligence technology or through it's IT Department to correct the problem so consumers can have their snail payments processed properly and without undue countless frustrating efforts.
Company Response:
State: WA
Zip: 99163
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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: In XXXX of 2023 I contacted Comenity Capital Bank ( CCB ) in regards to service not renders and requested a removal of a charge in the amount of {$7000.00}. I received a notice from CCB indicating that complaint is last the 60 day requirement. I contacted CCB again and informed them of a communication error. I received indicating that the investigation is closed and charges are authorized. I provided a notice of appeal within 10 days requesting all communication and correspondence to and from the merchant that determined their decision. CCB provided no information or documents. I received the same letter indicating they have received my complaint and then on the same day I received that the complaint is closed. under the authority of law pursuant to The Federal Credit Billing Act CCB is required to act on my behalf and complete a full investigation. This was not done and they ignored my complaint.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: ok this is for comenity bank also known as bread financial. I have store cards for overstock ( which community closed due to their credit card programs, wayfair which has been closed Victoria secret XXXX XXXX. I have been making the min. payments every month. but I was stuck in Louisiana end of XXXX and couldn't get internet. 1 week later I was able to call comenity and told them my situation. ( THEY HAD ON THE WEBPAGES THAT IF IN THE XXXX THEY COULD HELP ) well that's a lie. the lady I spoke to said I could get 2 months defer ment. ok that was great. guess what they fidnt apply it to any of the accounts. overstock for one has lost my last 2 payments XXXX XXXX has me 1 month late when payment isn't due till XXXX XXXX victorias secret has me 1 month late when the 2 month deferment would be over come XX/XX/XXXX. because of the my credit score has dropped over 100 points. this is not right companies saying deferment then marking you late. I haven't been late on any of my payments since XXXX so I'm not happy they need to fix comenity or bread financial really don't care if someone was in hurricane.
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had this credit card with AAA for many years. I was informed that the credit card company switched from XXXX XXXX XXXXXXXX to Comenity. I noticed on my last bill from them ( I get paper statements in the mail ) that " XXXX total year to date. Total fees charged in XXXX - {$50.00} '' Didn't understand. I pay all my bills on time and in full. I called Comenity and spoke to a representative. He explained that the date I choose to pay the bill, on that date, XXXX ( my bank ) sends a paper check to Comenity which get to them about XXXX days later. So if the bill is due XX/XX/XXXX, and I arrange to pay the bill through my bank on XX/XX/XXXX, and I arrange that payment the end of XXXX, on XX/XX/XXXX, XXXX sends out a paper check to Comenity. So the payment arrives late, after the XX/XX/XXXX due date. I was amazed that in this digital age, paper checks are sent from a bank to credit card. I called XXXX and they said that the payment should be received on XX/XX/XXXX, as in my example above. I looked at the payment activity on XXXX and saw that all the payments I make to companies are executed " XXXX or XXXX business day electronically. '' But Comenity 's bill says on my XXXX account " XXXX Business Days paper check ''. Comenity did give me a credit of {$25.00} from the {$50.00} fees. That {$50.00} fee is not on the front page of the bill, BTW, but on page XXXX. Other people might not notice it. I XXXX complaints from Comenity and there are lots of people making complaints. Also, I got an email saying that my payment is due soon for AAA Travel Advantage Visa Signature card ( the full name of the CC ). No where on the email does it say that they are sent a paper check that takes time to get that check. They shouldn't be allowed to deceive the public. If you need more information, please let me know. In all fairness, I didn't see the actual fees $ XXXX {$25.00} added on to my bill. Is the company actually charging those fees? I would have to add up each month 's statements to determine that.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I pay the outstanding balance of my Comenity credit card each month. I mailed a check for the total balance due on XX/XX/2023. I used my card and it was rejected. I called the Company and was told no payment was received and the card was placed on hold. I checked my account online and the XXXX payment had not been posted to the account. I spoke to the representative XXXX and explained my check was mailed XXXX. The date it was to be paid by was XXXX. Since I wanted to be able to use my card, the representative took my checking account information and paid the missing payment. I was told it would be a week before I could use the account again. In the meantime, I received the next month statement which had a {$25.00} late fee and {$40.00} of interest. Today I went online, and saw the payment I made on the phone on XXXX and also the payment I made on XXXX for the same amount .which was posted to the account on XXXX. Nineteen days after it was mailed. I called the Company today to try to resolve this. I want the late fee and the interest removed. I pay the bill the day received for the entire balance each month.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not consent, nor benefit or authorized any of the following accounts : Comenity Capital Bank - Account # XXXX - {$1100.00}
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A