Date Received: 2022-02-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The CCB/ULTA account with the account number XXXXwas marked as Charge-off with an identified balance of {$290.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Payment history '' .Reinvestigate the account thoroughly and furnish all documents you will be using for me to confirm. Nonetheless, remove immediately.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Issue involves Comenity Capital Bank ( BJ 's XXXX XXXX card ). - XX/XX/XXXX bill received, {$120.00} with a payment due date : XXXX XX/XX/XXXX - XXXX XX/XX/XXXX : Paid bill in the amount of {$120.00}, paid it on time and in full. - Note : I am including a copy of the check ( less my PII ) for your inspection. - XXXX XX/XX/XXXX : Payment received by Comenity Capital Bank. Not late. However Comenity posted an incorrect amount to my account : {$120.00} ( not the full amount {$120.00} ). - XX/XX/XXXX bill : Reflected that I did not pay the full amount in XXXX and was being assessed an interest charge of {$2.00}. Payment due date : XXXX XX/XX/XXXX. - XXXX XX/XX/XXXX : Paid bill in the amount of {$320.00} on time and in full. - XXXX XX/XX/XXXX payment received by Comenity Capital Bank. Not late. Amount credited to my account was correct : {$320.00}. - XX/XX/XXXX bill : Reflected that I paid the full amount in XXXX, was not late, but was again being assessed an additional interest charge, this time the additional amount was {$3.00}. Bill was due on XXXX XX/XX/XXXX. - XXXX XX/XX/XXXX : Paid {$150.00} ( from this bill ) and {$88.00} ( will be on the XXXX bill ) for a total of {$240.00}. Paid on time and in full. - XXXX XX/XX/XXXX : Called Comenity Capital Bank seeking a resolution to this issue, without success. They could not explain why the XXXX was not taken in XXXX or why I was assessed another interest charge in XXXX. I informed Comenity that I had a copy of the check in the amount of {$120.00}. They were not interested in seeing it. They offered to return the {$3.00}, but not the {$0.00} or the {$2.00}. How do I get Comenity Capital Bank to : - make me whole for their XXXX mistake, - back out the {$0.00} I attempted to pay them and - reimburse me for all the interest charges ( {$2.00} and {$3.00} )? How many months are they going to keep assessing additional interest charges for their mistake? - XXXX XX/XX/XXXX : Called BJs, XXXX, today to see if they could help, I was transferred to Comenity and then the call was then dropped. Please help.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We purchase a ring in XXXX XXXX for the amount of XXXX last XXXX XXXX. The sale representative offered the 3 years no interest. We signed up and we've been paying monthly on the amount that they bill us. XX/XX/XXXX we know were done but we received a bill for XX/XX/XXXX ( this month ), which we know we should be done paying. I check my bill online theres still remaining balance of XXXX and they added finance charge of XXXX on XX/XX/XXXX and another finance charge of XXXX on XX/XX/XXXX. I called the customer service of Comenity, spoke to XXXX and Supervisor XXXX, explained that we were in agreement to pay the full amount for 3 years. But they told me were we just paying the minimum amount thats why we still have remaining balance. I told them I didnt know that it was just the minimum, I told them we just go by what they bill us monthly since its autopay. No one told us that was just the minimum payment and XXXX XXXX XXXX are all closed.
Company Response:
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Comenity bank as well as XXXX XXXX both have lowered credit limits to the max value owed on the card and have been destroying my credit score over and over again. I had a XXXX $ limit with a XXXX $ balance owed and suddenly my limit dropped to XXXX $ And gave me a 95 % utilization rate on my account. They refused to give a reason stating I was sent a letter when I received nothing. They refused to send another letter with the reasons and the customer services was no help at all. They stated I need to take it up with the credit bureaus.
Company Response:
State: TX
Zip: 78749
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I'm having issue due to covid I called to get some help and XXXX XXXX, said she couldn't pull up my information to help me because she's having system issue. When I asked for a call back she said she couldn't do that I will have to keep to check when the system is back up and running to get help. I was able to speak to XXXX agents prior that was able to pulled up my information and try to help me. But with XXXX while I was on the phone with her as soon as I mentioned I need help due to covid, I couldn't get help when the automated system was working perfectly. While on the phone with her trying to get help, she said she couldn't help me I'll have to call back when I asked for a call back she said she couldn't do that neither and she hang up the phone and said have a good. She wasn't helpful at all, she make me feel less than a customer, she didn't seem like she wanted to help me at all. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 13212
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: when we filled out the application, we were not given any further assistance in the store, no online account set up no documents to take home with our information on it nothing of the sort. just recently I talked with comenity bank, they didnt even have our email address until now. When I or my husband would make a payment through the phone ( he was authorized on the account ), they would tell us that they couldnt give us sensitive information over the phone about the account. When we would go into the store, they would tell us that they did not have access to the account number, last date to pay, or any information about deferred interest. We have not been receiving any statements, so we have been blindly paying it off in good faith hoping comenity bank wouldve told us over the phone about the situation we are now in. I asked the lady in the zales store in XXXX what our balance was, and she told us, Around like XXXX so not only did she not give us a definite answer, but she also seemed unsure and couldnt even tell me anything else about the account. we were worried about it so we started making calls trying to get some information out of anyone possible. On the day we spoke to the XXXX in store, I reached out to Zales and talked to a representative and theyre response was that the interest was valid due to the fact that we got a statement in the mail, but we havent received a single statement, we still havent even got our credit card. I explained this to the XXXX, but she could not assist me at all, so she got her supervisor on the phone and the supervisor said the same thing. After discussing the situation to no avail, she told me that I could write a letter in the mail to Comenity Bank and send a dispute letter and the call was ended. We sent the dispute letter On XX/XX/XXXX, that same day we tried to call the first number we found ( XXXX ) on Comenity banks website and it sent us to a debt collector which was odd. The second number we called ( XXXX ) was not in service. When we finally found a number that worked, we told the comenity bank representative of our problem. XXXX was more kindhearted about our situation and told us he could file the dispute on my behalf. comenity bank didn't have my email, so he put it on file and told us that we would hear back within a week about the verdict. When we did not receive any verdict, we called Comenity Bank again, only we recorded it this time for proof on our behalf of what we are going through and struggling with. We were given a rather unprofessional representative who didn't seem bothered by our issue, she said she couldnt help and sent me back to Zales customer service. We talked to Zales once again and it was just a whole step back to the beginning, the representative transferred us to her supervisor and the supervisor wasnt any help at all either. But he did tell us that the Comenity bank representative did not file any dispute like he told us he did, so we were Deceived, and all of our efforts were wasted. Throughout the life of the account, we have tried countless times to get information without success, we would be told in store they didnt have that information we had to call for it, when we called, they said they couldnt give us that sensitive information, but they would take our social security number over the phone, so it contradicts their statement, how were we ever supposed to get our information to pay or even know anything about our account? So, after so much energy exhausted only to be shut down and belittled, we have decided to contact the consumer financial bureau. we have been getting robo calls everyday and just recently they have started sending my wife emails to assist us in enrolling an online account but it is too late now, we tried many times in the past and were always denied the opportunity.
Company Response:
State: AR
Zip: 72758
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX charged me a membership fee I had not wanted. XXXX store removed the charge. Comenity Bank continued to charge late fees and interest. They have removed most the fees but are still trying to charge me interest. Plus they have reported that I missed payments in XX/XX/XXXX and XX/XX/XXXX when there should have been no charges as the card was paid in full XX/XX/XXXX. I call every week or so and they say they fix it but they never do. I have XXXX false blemishes on my credit report due to this and they are still trying to charge me interest.
Company Response:
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I keep receiving threatening phone calls from this number XXXX ( XXXX ) XXXX. I paid the XXXX XXXX ( Comenity Bank ) before I purchased my house over 3 years ago. The person keeps calling from the phone number XXXX ( XXXX ) XXXX threatening me with law suits and going to my place of employment.
Company Response:
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had an XXXX XXXX XXXX and i closed the account about two months ago after completely paying it off. They later on charged me 30 $ cause my pay off was a few days late, no argument i pay that. After another two months i recieved a statement that i owe XXXX $ in fees on said closed account even though I completely paid everything off.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX of XXXX, I received a bill from Comenity bank XXXX XXXX for {$80.00}. Because I paid this bill late by mistake, I was assessed a late fee of XXXX I called them some time in XXXX to ask them if as a one time courtesy, they could remove the late fee. The customer representative then told me that she would cut the late fee in half, which would leave me a balance of XXXX}. I paid the {XXXX} through my bank immediately and never received any other statement from them. On XX/XX/XXXX, almost a year later, I received a letter from Comenity asking for {$120.00} without any explanation for that balance. They closed my account and turned it over to XXXX XXXX XXXX. They waited almost a year before contacting me, turned my account over to XXXX agency. I havent received any other statement since XXXX of last year. If I understand well they never gave me that half credit for the {$29.00} late fee added in XXXX of XXXX. Instead they have been adding late fees after late fees on the about {$14.00} balance for XX/XX/XXXX. I have not received any bill from them since XXXX of XXXX. This is ridiculous and pure theft. This bank has a D rating with the better business bureau. They are downgrading my credit score which was over 800.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A