Date Received: 2022-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I was hospitalized with XXXX and I had my last payment of an XXXX month no interest promo on XX/XX/XXXX to community bank. I missed that payment cause I was in the hospital and unable to get on to pay my bill. Now Ive called and tried to pay my final bill which should be around XXXX $ and they are trying to charge me around XXXX $ for deferred interest Ive never missed a payment or had any late payments and theyre unwilling to help me
Company Response:
State: NH
Zip: 03051
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a credit card for The XXXX XXXX XXXX through Comenity in XX/XX/XXXX. The first purchases and payments processed as expected. I typically pay all my bills using by bank 's online bill pay service, and give sufficient time for the payment to be mailed. And I always pay the entire balance. My next 3 bills were paid in the same way through my bank 's online bill pay. Yet all of the payments posted 1 day after the due date. At first I thought maybe I made a mistake and did not give sufficient time, however my payment in XXXX was sent 2 weeks before the due date. Not a single other payment to another credit card company or utility arrived late that month, or any other month for that matter. When I called their customer service, they were willing to waive a single late fee, but essentially said that because I did not use the ACH feature on their website, they could not guarantee a mailed payment would arrive on time. While frustrated, I decided to make the last payment through their ACH feature on their website. I submitted my bank account information on XX/XX/XXXX, for the entire remaining balance. The due date was XX/XX/XXXX. I also requested that the account be closed, as I will not longer be using this card. I received an email confirmation that the account is closed. This weekend I received a bill for {$2.00} as a finance charge, which was assessed on XX/XX/XXXX. It is not clear to my why I would be assessed a finance charge when I paid the entire balance and the account is supposed to be closed. While collecting documents for this complaint, I realized that all payments, except the XX/XX/XXXX payment, were actually completed by ACH, so Comenity should have received the money very quickly. Making their finance charges and late fees very suspicious for fraud. I am concerned that Comenity is applying late fees and finance charges inappropriately, and that many consumers are paying fees unnecessarily. I also suspect that someone is holding check payments until after the due date, purely to be able to assess late fees and finance charges.
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX I made a minimum payment of XXXX. My balance left owed was XXXX. I paid again on XXXX XXXX for XXXX. This credit is not showing and I was charged XXXX. Then you received the first collection call today XXXX XXXX. To inform me that I had incurred another late fee of XXXX. I have paid it in its entirety and requested the account closed. I did not make a payment this month because the one I made the end of XXXX should have paid the balance in full. And the late fees compounding and no notice at all until today.I have also been locked out now from all accounts to do with XXXX that is the card I am referring to.
Company Response:
State: NC
Zip: 27909
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
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: I have NEVER been late with my XXXX credit card payment and it was listed as being XXXX days late, so I disputed this and was told I was wrong, which is not true so I resubmitted my dispute and am being being told that I cant
Company Response:
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX I closed my XXXX XXXX Credit Card due to Comenity charging me interest on a disputed amount of {$810.00} even though multiple customer service representatives told me there would be no interest on that amount while it is in dispute. I provide documentation from the hotel that the disputed amount was credited to the card in XX/XX/XXXX. Comenity still has the charge on my credit card and is still charging me interest and now late fees on that amount. I called Comenity in XXXX and XXXX to discuss this and each month the customer service representative provided me an amount to pay to avoid any further fees or interest and each month I paid it for the sake of my credit score. It is now XX/XX/XXXX and I am done continuously paying interest that I do not owe. On XX/XX/XXXX, a customer service representative told me she would waive the {$30.00} late fee if I make a payment of {$33.00}, this makes no sense considering the only amount owed on the card is the amount in dispute and the interest and late fees they are continuing to charge me. I have been misled month after month to continue paying fees to Comenity. This is not a fair business practice! No matter how many times I call to speak with someone at the management level, I simply get transferred to another department only to be told to talk to someone in customer service, and therefore, this problem just continues to go on and on. I want to be done with this awful credit card issuer.
Company Response:
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: NO KNOWLEDGE OF THESE INQUIRIES AND NEED THEM GONE
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an account at Zales. I made a promotional purchase on XX/XX/XXXX for {$4000.00}. This promotional purchase was to include no interest if paid off by a certain time frame. I utilize paperless billing and I strictly only use the website to pay my bill each month. At the bottom of the Home page of the site, there is a section that shows promotional purchases and their date of expiration. On XX/XX/XXXX, I made a payment and I made sure to check the promotional purchase section to make sure that I did not have any promotional purchases expiring. It only showed 1 promotional purchase due to expire in XXXX of XXXX which was for a {$570.00} purchase on XX/XX/XXXX. I logged in yesterday, and to my surprise, they hit me with {$1700.00} fee for the promotional purchase back in XXXX of XXXX. I believe that Zales/Comenity PURPOSLEY removes promotional purchase expiration information the month prior to expiration so that the consumer misses the date. This is NOT something that I would miss, as I know to check it every time. I had thought that I had one coming due, but I figured it was paid off since it did not show. I wonder how many other consumers this happens to with them?! I contacted them immediately, and was treated with condescension. So now, I am requesting your assistance please! Thank You,
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'm not quiet sure what this debt is, I have no recollection of this company. My now late father had taken my information and open / used accounts I had before he passed. I am very confused why they can not figure this out with all of the cameras they have in various stores. Thank you for your time.
Company Response:
State: OH
Zip: 45429
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The initial issue began when I was charged a {$29.00} LATE fee for making payment on the due day in my time zone in California. The second issue with creditor is that I was charged on XXXX occasions {$29.00} LATE fees and interest on an amount less than minimum the normal minimum due {$3.00}. I did not make a minimum payment of {$35.00} because I only had a balance owed of {$3.00}. However, creditor charged me {$29.00} LATE fees and closed my account while continuing to charge me fees and interest. The amount currently showing owed on bill is not from products actually purchased but from unnecessary excess predatory fees on a left over balance of {$3.00}. I was charged {$29.00} LATE fee on the balance of {$3.00} creating a carry over balance of {$34.00} which creditor then continued to charge me LATE fees on a LATE fee amount. Im not being billed on actual purchases and account is held in suspended status as creditor continues to charge excess predatory fees on their own late charge amount. Basically I owe {$0.00} for purchases but creditor is charging me {$29.00} LATE fee on the previous {$29.00} LATE fee plus interest. Past due amounts are creditors duplicate LATE fees. Creditor is really charging late fees plus interest on the previous late fee they assessed. This is predatory and excess. My household and family have been impacted by COVID 19 and the excessive and continuous billing is negatively and erroneously impacting my credit score creating a hardship for me and my family.
Company Response:
State: CA
Zip: 90002
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I gave my bank information over the phone to a woman collecting money for Comenity Banks Victoria Secret Store card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from XXXX XXXX saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from VS or Comenity Bank, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX and XXXX episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A