Date Received: 2022-03-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Ulta credit card, serviced by Comenity, are perpetrating unfair credit reporting. They have added late charges to my account after I'd made my payment early, then when I paid my account off, placed interest charges 3 weeks after payment cleared for total stated balance on my account. Finally, they then placed a 30 day late charge on my account for the {XXXX} interest charged on an account paid off weeks earlier. Ulta, by Comenity XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : XXXX To whom it may concern, I am writing to dispute the {XXXX} charge on my account that is being reported as a 30 day late to all three credit bureaus XXXX, XXXX and XXXX. This is incorrect and when you see that my account had been paid in advance for the XX/XX/XXXX payment due of {XXXX}, you will see that any late charges should have been removed, except for XX/XX/XXXX when I was 9 days later than due date, with my final payment. My account had been paid off for 5 months, then I charged my account {XXXX} on XX/XX/XXXX. I did not have a XXXX payment due on XX/XX/XXXX, but I made a payment anyways on XX/XX/XXXX, that should have gone towards XX/XX/XXXX, since made after the monthly due dates of the XXXX that Ulta has on all their bills. Anything past the due date of the previous month, is supposed to roll towards the next payment. I paid ahead of time for my XX/XX/XXXX payment in the amount of {XXXX}, so the next payment due should have been on XX/XX/XXXX. You placed a late charge on my account XX/XX/XXXX, even though Id paid in advance of that date for that payment. I have NOT been 30 days late on a payment in XX/XX/XXXX or XX/XX/XXXX, as the account was paid in full on XX/XX/XXXX, only 10 days past the due date of XX/XX/XXXX. I not only was charged an incorrect XX/XX/XXXX late charge, but this also then rolled all my balances to a higher amount, so when I made my full balance payment of {$68.00} on XX/XX/XXXX ( that wasnt due until XX/XX/XXXX ), you still placed a {XXXX} interest payment on the next statement that should have had a zero-balance owing. I had already paid the XXXX payment ahead of time and in full yet 2-3 weeks later you placed another {XXXX} charge on my account. The full balance payment of {XXXX} should have been {XXXX} less as the XX/XX/XXXX late charge was unfairly added. To pay my account in full on XX/XX/XXXX, I should have only had to pay a total of {XXXX}. I am demanding you remove the XX/XX/XXXX late payment reporting on my credit report and I am reporting your unfair credit reporting practices to CPFB, as I have all the documentation to prove my complaint above is accurate and that you have been complicit in ruining my credit so I can not buy a home. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Complain against : Comenity Bank XXXX XXXX Card I paid on time, but Comenity Bank failed to applied my payment. After I replaced payment, Comenity Bank failed to discard the XXXX payment but tried to deposit which resulted in being returned, then Comenity Bank charged me Returned Payment Fee. I have disputed with Comenity Bank multiple times in phone and letters, and online messages, but Comenity Bank denied my dispute, and continues charges me Late Fee and interest.
Company Response:
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I have a formal complaint against your company and XXXX XXXX XXXX XXXX. Both companies discriminate against Patrons which are in good standing with XXXX XXXX XXXX XXXX and Comenity Bank by basing their denial simply because of the lack there-of credit and not taking into consideration their relationship with XXXX XXXX XXXX XXXX XXXX XXXX Comenity Capital Bank and XXXX XXXX XXXX XXXX XXXX have partnered with offering a credit card connected to the MyChoice Program offered by XXXX. The enrollment program stipulates the following : __________________________________ Open and use the XXXX XXXXXXXX to earn XXXX on all of your purchases You're invited to apply for the XXXX XXXX Credit Card today! Login below and start earning XXXX and Tier Points! You must be at least 21 years of age and in good standing to be eligible for the XXXX XXXX XXXX XXXX XXXX. You must be the age of majority to be eligible for the credit card. If under 21, I understand I am applying for the XXXX XXXX and will not receive any comps, tier points, or other benefits from this credit card. XXXX XXXX XXXX XXXX PROGRAM TERMS ( " TERMS '' ) FOR THE XXXX XXXX CREDIT CARD IMPORTANT NOTE : THESE TERMS CONTAIN PROVISIONS THAT LIMIT OUR LIABILITY TO YOU, ELIMINATE YOUR RIGHT TO A TRIAL BY JURY, REQUIRE YOU TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS AND NOT AS A PART OF ANY CLASS OR REPRESENTATIVE ACTION, AND THROUGH FINAL AND BINDING ARBITRATION. SEE BELOW. These Terms govern the use of your XXXX XXXX Credit Card in the XXXX XXXX XXXX XXXX XXXX ( " Program '' ). Please read these Terms carefully for important information about your rights and obligations in the Program. By participating in the Program, you agree to these Terms. In these Terms, " you '' and " your '' mean the Account holder. " We, '' " our, '' and " us '' mean XXXX XXXX XXXX. " Bank '' means XXXX XXXX Bank or its assignees. The Program is provided by XXXX XXXX XXXX. XXXX XXXX XXXX is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at any time. The purpose of the Program is to reward customers for their loyalty, including, but not limited to the use of their mycash XXXX Credit Card ( " Card '' ). ______________________________________________ Since I am an Owner with XXXX XXXX XXXX XXXX XXXX and I am in good standing within this company at the Highest Level of a Patron that a guest can achieve, my eligibilities are there, and my approval for this credit card connected to XXXX should have been approved based on the Terms and Conditions of the program for this joint venture for XXXX XXXX XXXX XXXX XXXX and Comenity XXXX Bank in connection with my Players Level and good standing. This joint venture is a fraud and requires a level of credit profile to be approved, yet this credit level for approval is not disclosed within the application process. The approval level and criteria should be based on factors also related to XXXX XXXX XXXX. XXXX since it affiliated with the program to offer credit through your company for its players ( in good standing ). I think a guest that has reached the highest level of its promotional program should be a considered factor when considering credit under this joint credit card program. I have determined that the Bank and XXXX XXXX XXXX XXXX has engaged in unfair and deceptive acts and practices in or affecting commerce, in violation of section XXXX of the Federal Trade Commission Act ( Section 5 ), 15 U.S.C. 45 ( a ) ( 1 ), stemming from the marketing, promotion, and sale of certain add-on products associated with its credit card programs. Both companies are engaged in discriminatory lending by excluding basing credit on a person 's credit report, and not taking into consideration that persons relationship with XXXX XXXX XXXX. Unfair, deceptive, or abusive acts and practices ( UDAAPs ) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. Under the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. The Act also provides CFPB with rule-making authority and, with respect to entities within its jurisdiction, enforcement authority to prevent unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. In addition, CFPB has supervisory authority for detecting and assessing risks to consumers and to markets for consumer financial products and services A representation, omission, actor practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material. There must be a representation, omission, act, or practice that misleads or is likely to mislead the consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be deceptive if it is likely to mislead consumers. It is necessary to evaluate an individual statement, representation, or omission not in isolation, but rather in the context of the entire advertisement, transaction, or course of dealing, to determine whether the overall net impression is misleading or deceptive. A representation may be an express or implied claim or promise, and it may be written or oral. If material information is necessary to prevent a consumer from being misled, it may be deceptive to omit that information. Written disclosures may be insufficient to correct a misleading statement or representation, particularly where the consumer is directed away from qualifying limitations in the text or is counseled that reading the disclosures is unnecessary. Likewise, oral or fine print disclosures or contract disclosures may be insufficient to cure a misleading headline or a prominent written representation. Similarly, a deceptive act or practice may not be cured by subsequent truthful disclosures. Acts or practices that may be deceptive include : making misleading cost or price claims; offering to provide a product or service that is not in fact available ; using bait-and-switch techniques ; omitting material limitations or conditions from an offer, or failing to provide the promised services. The FTCs four Ps test can assist in the evaluation of whether a representation, omission, act, or practice is likely to mislead : o Is the statement prominent enough for the consumer to notice? This credit card application connected to XXXX XXXX XXXX XXXX XXXX is fraudulent, misleading, and in no way connected to their XXXX program ( unless approved ). The disclosures fail to mention that the applicant must be approved to be able to enjoy the programs and promotions offered by the MyChoice programs, thereby, I am filing a complaint with the Department of Justice, Indiana Attorney XXXX XXXX, and the FDIC to investigate my claims and to take legal actions and injunctions to correct these errors. My credit application was denied for Lack of bank card information, lack of real estate. So I have to have a bank card and own a house to be eligible for the credit card, even though I am an Owner with the XXXX program. This is an unfair practice and failure to disclose. I am demanding this program be corrected to include a proper disclosure between both companies and their personal involvement in this joint effort. The players who have achieved the highest level of MyChoice program be able to take advantage of an approved credit card. {$25000.00} in an award of credit through this credit card and/or through credit at a casino of my choice owned by XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: IN
Zip: 46176
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have started receiving emails feom community bank and receiving calls. I then blocked all numbers and started receiving no collar id calls. Which was again from comenity bank. So I started not answering. Then I began receiving emails from XXXX XXXX. I blocked them because I had never even heard of them before and the emIls were getting ridiculous. Yesterday I received a bill from comentiry bank for XXXX XXXXXXXX. The bill is addresses to me. The info has only a account number blocked out except for the four last digits of an account. For a {$230.00} the only place on the bill that has my name on it is the return payment with a XXXX XXXX . I called them and the person that picked up had a pause and delayed reaponse and tried to ask me for personal information
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
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: in XXXX I lost my Mother, I also contacted XXXX, I was verry sick and distraught for the next few months, this was a natural disaster, I could not even think straight or remember things because XXXX effects your brain, community bank reported me late for a minimum of XXXX $ for XXXX XXXX XXXX as a result my credit was damaged, I did dispute with proof of XXXX and death of my mom, they rejected the dispute, can you please help me. The report # is XXXX XXXX the number is XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This bank treated me horrible during covid they reported me late on XXXX are reporting me late 30 days when I called them To make payment arrangement and they agreed they would give forgiveness and not report me late they are ruining my credit score shame comenity bank sucks and XXXX is out of business they should remove this late mark off my credit
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a general purpose XXXX through Comenity bank. They have always had a strange cut off time, XXXX ET, which is XXXX hours earlier than other cards. But it was clearly stated, so I never questioned it. When I went to make my XXXX payment at XXXX XXXX on XXXX XXXX due dateI was confused that my payment was late and could not be processed until the next day. I paid my statement balance in full anyway. I, then, called multiple times to figure out the discrepancy. I was told that at the end of XXXX notices were sent out that the cut off time was rolled back to XXXX ET. They have my correct address, but I cant recall receiving my anything in the mail from them in recent memory. There is one notice if you log onto their payment page. I went through my email. I have dozens of email adverts and account notices from multiple accounts under Comenitybut not one specifically notifying the change in cut off. I was told that it was my fault for not being aware of their new cut off time and all late fees and interest would be assessed.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I got a credit card with XXXX which is through Comenity Bank. I made my payment of {$65.00} and closed my account in XXXX. At the time, my account was telling me that it was paid in full and i did now owe. I opened this account in XXXX. 5 months later, I get a random email letting me know my XXXX Statement was ready to be viewed. I thought it was weird and logged in. It said I owed {$240.00} worth of late fees and interest charges! I was never once called by Comenity bank that these charges were overdue and I was incurring late fees after late fees each month. Not one single call to let me know! I tried to resolve it with them and they sent my account to collections and told me they have nothing to do with it now and to deal with collections. My online account is from Comenity bank and said my balance is {$240.00} and willing to accept a payment. When I called the collections company XXXX, they told me I owed {$190.00} which doesnt make sense. They have no answers to why the amounts are different and they are not willing to waive any fees for me even though they never had the decency to let me know these charges were being accrued every month. Now my credit is messed up and no one is willing to help me. I
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX is reporting credit, I was an authorized user on my ex wifes account, they are refusing to remove me claiming they need my ex wife Ive to do so.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A