Date Received: 2022-02-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Commenity Bank is charging interest on a late charge on my XXXX XXXX XXXX Credit Card that I should not have had assessed on my account. I have been working with them to resolve late payment posting issues. In XXXX they reversed my late charge, but the call center representative did not have the authority to reverse the interest that was charged on the late charge. So on XXXX I paid {$1.00} in interest as the representative could not correct this for me and I didn't want such a small amount to affect my credit report. I have made NO PURCHASES on this card since the late fee was assessed and the account has a {$0.00} balance, but I received a statement in the mail today for a {$2.00} balance for " minimum interest charge '' on the transaction I paid of interest on the late fee I should not have been charged. I believe their credit practices and they way they post payments and assess fees and interest are unfair and abusive in regards to the consumer. I would also like to reference CFPB complaint - XXXX They did not resolve my complaint, or answer my questions about posting. They blamed me as the consumer for not posting my payment on time and referred my to their account agreement.
Company Response:
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While checking my credit report, I notice an account from Comenity Bank XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank XXXXc is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX Report XXXX XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company Comenity Capital Bank Program. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: IXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I got XXXX XXXX, and it was pretty bad. Trying to settle pay debt. It's just not as fast as the company wants.
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: While shopping in store at the store in XXXX XXXX, MD as I finished shopping and went to the register for checkout, my cashier asked me if I would like to apply for a XXXX credit card. She did not specify if it would be a store card, or a master card. So I asked her to only be considered for a master card and she nodded her head ok, and proceeded to use my information to apply for a credit card. She said I was approved for a total amount of {$650.00}. She did not disclose to me the terms or any TILA, disclosers. She gave me a discount and said she does get more $ $ when customers apply and thanked me. Upon receiving a statement as well as the XXXX XXXX, I noticed It was not what I as the consumer requested. They approved me for the XXXX XXXX XXXX, which I did not request at the time of applying on XX/XX/2022. They have also violated me using deceptive debt collection practices by calling me and using a postage with their logo on it which is a violation under title XXXX, they were marketing a master card which is not what I received. After speaking to a Senior customer service agent today by the name of XXXX at the Ohio office, he explained that XXXX cashiers are not aware of the interest fees, application process, or approval process and that she should have told me to contact the bank. If they are not aware of laws, or fees or anything pertaining to what they are advertising then they should not be advertising it! On top of that they had the incorrect mailing address on my account which affected me to not receive my statements or credit card. According to 12 CFR 100.2, I Can not be denied credit on application. I CLEARLY was denied credit ( mastercard ) which is in violation of the FCRA. They have violated me many times within the last few months and as a consumer this is traumatizing.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Victoria Secret was opened fraudulent. I'm a victim of identity thief Contact Victoria Secret Credit card about this and told them that I did not open this credit card and would like assistance with this. They would give me the run around and would not help me with this. Has now they added XXXX same accounts on my Credit Report with different account numbers but open the same day. They have not been very helpful to dispute this and have been very aggressive towards me about it.
Company Response:
State: CA
Zip: 91362
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a Torrid credit card that is through Comenity Bank. When I was approved for the credit card my assigned credit limit was {$300.00}. I never went over my credit limit nor was I ever late with my credit card bill. In XX/XX/2022 I found out through my credit bureau reports that Torrid/ Comenity Bank raised my credit card limit to XXXX Once again I never went over my credit limit nor was I ever late with the credit card bill. In XX/XX/2022 I paid off my entire balance of {$230.00}. When I went to look at my account to make sure no interest was due I saw that Torrid/Comenity Bank had lowered my credit card limit to {$100.00}. When I spoke to Torrid/Comenity Bank they were unable to provide me an answer as to why my credit card limit had been decreased and that someone gives me a callback. To date, no one has called me back. Each and every time that my limit is raised and decreased it hits my credit bureau report and it could have a potential positive or negative effect on my credit.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX to direct all communications to : Creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Comenity Bank, XXXX XXXX. XXXX XXXX XXXX Including in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX.Letter was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on it.XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {XXXX and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
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: Hello, I reached out and spoke to a representive regarding my account. The account showed it went delinquent in XXXX XX/XX/XXXX. I spoke with a representative and explained what took place. XXXX. Was hospitalized and did not know payments were not received. XXXX. Government employee required to maintain a certain credit score. The representative informed me she would put notes in the account and for me to write a letter and send the documents to XXXX XXXX XXXX, XXXX OH. XXXX and as a XXXX time courtsey they would delete these items for me so, I would not lose my job. The customer service represenative did not uphold their end, after contacting XXXX again, I was told their was no way a person could have told me that. I asked for an email address and I was told there was not XXXX. I was advised to mail in anything I have to the XXXX Ohio address. As of XX/XX/XXXX, I was terminated from my job for failure to maintain the credit score requirement. I ended up filing a lawsuit against my former employer. We are in discussion and they have agreed because of my outstanding record to allow me to be rehired, but this account must be either removed totally or deleted. My attorney has sent documentation and reached out to Comenity for help with an attempt to resolve this. XXXX representatives hung up after telling the attorney the only thing she could do was send the documents again. The case is back before the judge XX/XX/XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: ! I pay my balance IN FULL every month less any statement credits. In XXXX. I paid everything in full less a credit that ironically hit XXXX days later, even though it was submitted days before my statement due date! so I got stuck with XXXX in finance charges for a XXXX statement credit .called they would not waive the fee but said if you pay balance in full the next statement then no more fees.I did that for XXXX payment .looked at my XXXX bill and yep..more finance charges!! XXXX this time. called them asked for a supervisor ... and told her to pull up the call I had the prior month with the prior supervisor who refused to credit the finance charges.She found the call date but ironically that call wasnt recorded. XXXX refused to credit the finance charge when the prior agent clearly told me there would not be any more once I paid my prior balance in full by the due date and that calls were recorded.
Company Response:
State: NC
Zip: 28786
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A