Date Received: 2022-02-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized inquiries for the following companies : 1. Comenitycapital/XXXX XX/XX/2021 2.XXXX XXXX XX/XX/2021 3. XXXXXXXX XXXX XXXXXXXX XX/XX/2021 4. XXXX XXXX XX/XX/2021 5. XXXX XX/XX/2021 6. XXXX XXXX XX/XX/2021 7. XXXX XXXX XXXX XX/XX/2021
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The account with CB/VICSCRT with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has several different evaluations in each Credit Bureaus which are both incorrect. I'm not sure if the Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am being harassed by XXXX XXXX, Comenity Bank and XXXX daily. Multiple times a day. They call me from different numbers, they call me from blocked numbers, they change their number to make it look like theyre calling from different area codes. Ive been making minimum payment as Im out of work and have been sick and my kids have been sick also. But they continue to harass me. The XXXX XXXX ones are them also.
Company Response:
State: NC
Zip: 28052
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have gotten at least 4 notices of a decrease in my credit limit due to my credit score, however, I have done nothing with the card. I have reached out via phone multiple times to try and correct this account, but I have gotten nowhere. I was originally delinquent due to job loss from COVID-19, but not a single person that I have spoken to over the past 2 years have offered any assistance, or provided with me with the opportunity to sign up for the credit protection even when I opened the account, which is misleading and setting me up for absolute failure.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I purchased furniture through the XXXX XXXX XXXX & they gave me a promotional no interest for 18 months payment plan. I have the payments on XXXX & have never been late. XX/XX/2022 my total closing statement balance was {$3300.00} & A payment was debited out of my account for {$500.00} taking the total balance to {$2800.00}. My XX/XX/2022 closing statement comes & I notice my total balance is still {$2800.00} they debit my account again for {$500.00}, Yet I notice a " Interest charge of {$3900.00} making my new balance $ {$6300.00}??? I called the Customer service line @ XXXX & speak with a Customer service Rep & she informs me that since my promotional 0 % interest had expired they were charging me the accrued interest on what the total purchase was at the time I took the account out {$14000.00}. We had a dispute about charging interest of paid balances and she basically said they would just report me to credit bureau and ruin my perfect credit score if i did not pay the accrued interest. I went to on line on XX/XX/2022 and paid the full balance of {$2800.00} and when i check the site this morning. they took all those funds and applied them to interest only none to principal. This seems to be a highly unethical business practice & charging {$3900.00} of interest on a total statement balance of {$28000.00} is an illegal business from what I read.
Company Response:
State: FL
Zip: 33629
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
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: The drama continues. I just spent at least an hour documenting in great detail the problem I am having. I lost it all. Basically, and in far fewer words. I made a purchase from The Childrens Place on XX/XX/2021. I used Childrens Place credit card ( XXXX Bank. ) I paid the account off with my XXXX XXXX Credit card on XX/XX/2021, well before it was due. Comenity Bank has not given me credit for the payment. XXXX ( XXXX Bank XXXX XXXX ( Comenity Bank ) and I were on a conference call where XXXX XXXX gave detailed information proving I had paid this bill with my XXXX XXXX. XXXX stated he was submitting a complaint on my behalf. I have yet to receive any response from them indicating they are researching where the {$110.00} payment was applied. I have continued to receive statements with ever increasing late fees as well as interest. Ive called twice today to Comenity. No resolve. Ive spent at least 4 hrs attempting to resolve this issue. Is Comenity scamming ppl???
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I received an offer to open a XXXX XXXX credit card ( managed by Comenity bank ) which advertised a promotional offer of 6 months 0 % APR. This was offered when I purchased directly from XXXX XXXX online, and I accepted the offer to open this XXXX credit card in order to complete the purchase. The total amount was {$640.00} on XX/XX/XXXX. This was reflected in my first statement, dated XX/XX/XXXX, with a due date of XX/XX/XXXX. I made three additional purchases during the next billing cycle ( XXXX {$40.00} ; XXXX {$53.00} ; XXXX {$28.00} ), totaling {$120.00}, and made a payment towards the total balance of {$150.00} on XX/XX/XXXX. The statement I received on XX/XX/XXXX reflected this, and it also indicated no interest or fees were charged ; the balance at the time was {$610.00}, which was correct. I made no other purchases and made a payment of {$100.00} on XX/XX/XXXX, well before the due date indicated. However, the next statement ( dated XX/XX/XXXX ) indicated a finance charge of {$3.00}. I emailed the customer service team on XX/XX/XXXX to ask about this fee, and I received a response on XXXX that explained what a financing charge was - it did not address why my promotional offer was not being honored. I replied back on XX/XX/XXXX saying that I signed up for a promotional offer, and on XX/XX/XXXX got a reply from a different customer representative ( a ) misquoting my balance and ( b ) saying that there is no promotional plan. I replied that day ( XX/XX/XXXX ) saying that I believed that was incorrect and requesting clarification as to why the previous statements did not include an interest charge or why the promotional offer I signed up for was not accepted. In an attempt to provide other details, I found the original email with the offer -- the actual link I used to sign up for the card at the time -- and sent it as a screenshot to the bank ( I also realized that the offer was for 6 months, despite thinking it was 12 in my first email, so I admitted I was in error about the duration of the promotion ). I received a reply today ( XX/XX/XXXX ) saying that the company " won't collect the amount in question '' until they can resolve my concern. But it made no indication of why the offer changed, what the mixup was, etc. - so I called at XXXX CST today and spoke with a representative named XXXX, who was very nice and patient, but did not provide clarification. She said I was removed from the promotional offer XX/XX/XXXX due to " my dispute, '' but she was unable to explain why there was a charge issued XX/XX/XXXX. She said the matter will be reviewed and may take up to thirty days ; I was told to wait until then to see how the matter is resolved, though apparently interest will continue to accrue during that time. Personally, my next steps are to pay the original balance in full - {$510.00} - today so that I do not get hit with additional fees/charges, and to discontinue future business with this bank, given how difficult it has been to get clear answers or support from them. In general, however, this entire experience seems to be incredibly suspect, and it appears to be an illegal practice, which is why I'm reporting it. Please see below for a transcript of the messages between myself and the bank, as well as the original email they sent regarding the promotional offer, and feel free to contact me for additional information. Thank you. Original message : From : You Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Late Fees or Finance Charges Message ID : XXXX I had a finance charge on XX/XX/XXXX but my card is supposed to be 0 % APR for the first year - can you explain why this charge was added? I received this reply : From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. Thank you for reaching out with your finance charge concerns on your XXXX account. Here 's what we found upon reviewing your account. Your balance is accurate. Here are the details : The finance charge is the interest assessed to the account when you have an outstanding balance that carries over from one billing cycle to the next. The interest charged to the account is calculated on the average daily balance for the billing cycle. Also, if you're interested, we have some great resources available on our website to assist with your credit and financial questions! Check them out by visiting comenity.com/financial-education. We hope this provided the information you needed about your finance charges and balance. We truly value your business. Thank you for your loyalty and have a great day! If you have any questions, please click the reply button. Sincerely, XXXX XXXX Internet Customer Care Team To which I replied : From : You Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Late Fees or Finance Charges Message ID : XXXX While I understand that is how finance charges typically work, the offer for this credit card was a 0 % APR for the first 12 months - it's the only reason I signed up for the card. It seems to have been fine the first two billing cycles- as you can see, no financing charges were applied during the XXXX and XXXX billing cycles, despite having an active balance - but this past billing cycle I was charged. I'm wondering why that is the case, as I believe it is an error because of the offer I signed up for. If you could correct the matter, I would greatly appreciate it. Next response : From : Comenity Bank Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. Thanks for reaching out to us. After a quick review on your account it shows that your account have a balance of {$560.00} is under Regular revolving plan with an APR % of 23.74 % and not under Promotional Plan. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team My reply : From : You Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Late Fees or Finance Charges Message ID : XXXX I believe that is incorrect, as, again, I signed up for this card specifically because of the promotion that was offered. And, as you did not address it in my last message, why was I not charged a fee for the first two months of having a balance? Was the promotional offer nullified for some reason? I know it's a very small amount of money - making it more strange that you won't just reverse the charge - but this is a matter of ethics in my opinion. If you can not provide an explanation as to why the promotional offer I signed up for is not being honored, I plan to contact the Consumer Financial Protection Bureau regarding this matter. Thank you. And a follow up with an attachment showing the email they sent me with which I signed up for the card : From : You Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Late Fees or Finance Charges Message ID : XXXX Attachments : email.jpg See attached - I was mistaken, it was a 6-month promotional offer I accepted. Their final response : From : Comenity Bank Sent : Friday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. Please keep in mind that to protect your rights under the Fair Credit Billing Act, we need you to provide the dispute in writing. See the back of your statement for more information. We appreciate your patience. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team
Company Response:
State: MS
Zip: 38655
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I got a Comenity card from XXXX back in XXXX, apparently XXXX stopped using them as creditors for their credit cards. I still had to pay off what I used with Comenity when they were no longer affiliated with XXXX. XX/XX/XXXX I received a statement showing what I owed and that I still had available credit to spend proving that the account was open. I called them to set up payment arrangements to pay it off and told them to close my account. I no longer wanted this card so my next statement XX/XX/XXXX showed that my available credit was XXXX but also showing what I still owed. I have statements from XX/XX/XXXX until XX/XX/XXXX showing that I paid this card off. I kept paying the remaining balance yet they still kept charging me a finance fee and if I didn't pay that Finance fee on the account that was supposed to be closed they would charge me a {$40.00} fee racking up more debt. They refuse to close this account and they keep charging me every month a small Finance fee that's two or three dollars that again, if I don't pay they will rack up a {$40.00} fee every month on that two or three dollars. Mind you the only reason I had this card in the first place was to purchase things from XXXX, this creditor was no longer affiliated with XXXX therefore I no longer needed it so when I paid it off it should have been done with but they continue to send me statements with a new balance every month with finance charges when I have called them over and over again about closing this account.
Company Response:
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I received a call from a Comenity Bank representative stating my XXXX account payment was late and that I needed to pay them {$81.00}. I did not know what they were talking about because I had not used the card for a year. After they researched it they told me that I purchased a reward subscription from XXXX and that the charge was a little over {$21.00}. I had no idea what they were talking about. I was transferred to XXXX and they immediately reversed the charges because I did not agree to a subscription with them. The representative told me that the same charge was placed on my account in XX/XX/XXXX and that it was removed and should not have happened again however, in XX/XX/XXXX XXXX charged my account again. I telephoned Comenity Bank and told them of the reversal which they were able to immediately view. However, Comenity Bank refused to return the late charges from XXXX to now and they also reported me to all three credit bureaus. I have tried disputing it with them and the credit bureaus, but they are refusing to fix the issue and return XXXX points taken from my credit report. Please help me with this matter because it is not fair that I am being punished for a purchase that I did not make. Sadly Comenity Bank is aware that XXXX applies these reward subscription charges to unknowing, unsuspecting consumers and does nothing to quail this behavior. I know this because the representative who transferred me to XXXX told me so. It was not the first time that she has seen this and the fraud investigator stated the same thing.
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
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: XX/XX/XXXX letter was sent on my behalf by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX. to Comenity Bank, XXXX XXXX XXXX, XXXX OH XXXX requesting a review of my credit history regarding a late payment in XX/XX/XXXX because of inadequate billing notification XX/XX/XXXX dated letter sent from Comenity Bank to XXXX XXXX XXXX and received on XX/XX/XXXX regarding XX/XX/XXXX letter sent on my behalf informing him " To address your concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to the credit file. This change should be reflected on the credit file the next 45 days. '' " If you have any further questions, please contact Customer Care team at the address listed below. Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. '' No one signed the letter. The letter closing was : Sincerely, Customer Care. There was no phone number on the letter. XX/XX/XXXX dated and certified letter sent by XXXX XXXX on my behalf to Comenity Bank, XXXX XXXX XXXX, XXXX XXXX requesting Comenity Bank provide copies of documents sent by them to credit reporting agencies as stated in Comenity 's XX/XX/XXXX letter for my records and possible follow-up. XX/XX/XXXX letter sent by Comenity Bank " Card Holder Services '', XXXX XXXX XXXX, XXXX Ohio XXXX to XXXX XXXX informing him his letter did provide enough information for them to locate my account information even though Comenity Bank 's letter dated XX/XX/XXXX indicated otherwise. Comenity Bank 's letter also requested that I forward my name, social security number, address, and phone number. Comenity Bank 's letter did not contain anyone 's name of phone number. XX/XX/XXXX, date of letter from Comenity Bank, Customer Care team addressed to XXXX XXXX and recieved on XX/XX/XXXX stating : " We can not locate the account. '' Even though I sent the information to them on XX/XX/XXXX. See above. XX/XX/XXXX, I, XXXX XXXX, sent Comenity Bank a certified letter to XXXX XXXX XXXX, XXXX, OH XXXX summarizing all letters and dates between Comenity Bank XXXX XXXX XXXX and me. In this letter I requested that someone call me to discuss my case and again included my e-mail address and cell phone number.s
Company Response:
State: NJ
Zip: 08057
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A