Date Received: 2022-01-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Commenity Bank opened up three credit cards dating back to XXXX, XXXX. I never applied for this card, not did I ever receive it. Another account was open in XX/XX/XXXX. I did apply for that card. The third card was open in XX/XX/XXXX and I did not request that card. I already had a XXXX XXXX card, but was having trouble using it. So they went ahead and opened up a new account I didn't authorize. Currently, I have two active cards, but the one from XXXX was done without my knowledge. Commenting Bank also opened up another card, without my knowledge for the store XXXX. They are using internal data to open up cards without my knowledge.
Company Response:
State: MD
Zip: 21703
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have multplie credit cards with Comenity bank for the 2 that I have balances with my XXXX XXXX XXXX and XXXX XXXX credit card I am just noticing I am being charged 2 different finance charges and they are both charged on the same day. But 2 different numbers. Going back for who knows how long. Why am I being charged two different times for finance charges? I have had these cards for YEARS. I never took out a cash interest. Only used them online. Never had late payments and I try to pay more when I can. But why are there double charges on the same day for interest? And they aren't the same number.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
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 had a sent off for a copy of my credit report on XX/XX/21 and noticed I have a debt entry being reported twice..The company Comenity Capital Bank sold the account to XX/XX/XXXX on XX/XX/19.Both Comenity Capital Bank and XX/XX/XXXXXXXX XXXX are reporting the debt resulting in double jeopardy. I wrote Comenity Capital Bank to asked if this debt can be deleted and not being reported because they no longer have jurisdiction over this debt because they have sold it. They refused
Company Response:
State: MO
Zip: 63801
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I recently ( to be an exact XXXX of 2020 ) purchased some material to remodel my home from Floor & Decors Branch in XXXX XXXX, CA and at the cashier, they offered me 0 % financing for 1 year to be paid in full. I found it attractive and I took the offer and started to make payments on the loan ( {$4500.00} ) until recently when the 1 year passed and I noticed there was a huge finance charge of {$1300.00}. was added to my remaining balance of about {$1600.00}. when I called Floor & Decors Financing they told me, since I did not pay all of the balance in full then I had to pay interest of 29.9 % on all original balance of {$4500.00}. I pleaded and I told them that that was not disclosed to me at the cashier, all it was explained to me was the 0 % financing for 1 year, and no detail was explained and it is so hard to read or no chance to read the small fine print where there is a line of people behind you to check out, on the receipt that confirmed the interest rate will be applied on all original balance. it is so deceptive and I think it is planned to get you to pay 30 % financing! I reached out to Floor & Decors several times but they declined to credit me back and they did not except to charge finance on the balance remaining only. I paid the balance off including the 29.9 % fiance charges but I am seeking help to help me to stop Floor & Decors on deceptive practice
Company Response:
State: CA
Zip: 92653
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
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: Comenity Bank, which administers the Sony Visa card, has engaged in a pattern of bad faith behavior, beginning in XX/XX/XXXX and continuing into XXXX, regarding chargeback disputes I filed against XXXX merchants as a result of travel services not provided during the pandemic. Among other things, they ( 1 ) falsely claimed I didnt file supporting documentation when I filed it immediately via secure email and their customer service supervisors repeatedly confirmed all documentation was received ; ( 2 ) repeatedly closed my disputes right after asking for documentation already received, allowing no time to actually receive any documentation ; ( 3 ) repeatedly failed to notify me that they had closed those disputes ( I only discovered these closings when I called in to ask about other issues, such as part of my provisional credit not being applied for several weeks ) ; ( 4 ) gave me wrong and misleading information on secure email and over the phone ; ( 5 ) in their denials, made conclusions that willfully disregarded evidence I had provided to them ; ( 6 ) refused to correct these false statements contrary to the facts ; ( 7 ) whenever I pointed out these untruthful things, they would reopen a new dispute and give themselves XXXX additional days to consider new evidence that was just my pointing out their conclusions were the opposite of what my previously submitted evidence proved ; ( 8 ) then did not actually reconsider the evidence that was contrary to their false conclusions ; ( 9 ) but may have lied to the Consumer Finance Protection Bureau by saying they needed 60 days to investigate, even though they had just closed the last investigation by saying there was no evidence that they needed to investigate ; ( 10 ) made a mockery of the Consumer Finance Protection Bureau complaint process by responding, at the end of 60 days, that they had resolved my complaints about their dispute process by giving themselves another set of 90 days to investigate the dispute ; and ( 11 ) may have wrongfully reported to credit agencies that I lost XXXX of my disputes even though the merchant voluntarily refunded me right before Comenity denied the dispute as a valid charge. Due to the countless instances of bad behavior by Comenity over multiple years, I have had to describe them in a XXXX attachment to this complaint. There are additional supporting documents attached, including my XXXX and XXXX emails with the merchant, and documents and emails submitted to Comenity in those years. I have numbered the attachments 0-6, and recommend you read them in that order. The CFPB told me it only helps consumers get a response, but does not judge whether the response is wrong or unfair. It suggested that I file a complaint with the FDIC, which regulates Comenity. However, the FDIC told me that because Comenity had more than {$10.00} XXXX in assets in XXXX, it didn't have regulatory authority over Comenity, and that the CFPB has regulatory authority over Comenity. But the CFPB says it has no enforcement authority over anyone, and it only serves as a vehicle/guide for the consumer to get any kind of response. This unfortunately means that no one is regulating Comenity at this time, to prevent its bad faith practices.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had my XXXX XXXX removed By XXXX & XXXX XXXX ( it was covered by my insurance ) They convinced to sign a contract in order to do more procedures, I never did the procedure and they put a credit debt on me, even though I did not do the procedures.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I applied for and was approved for a Lane Bryant credit card on XX/XX/2021. I used the card and purchased XXXX worth of clothing. I never received a bill or credit card from them and called XX/XX/XXXX or close to that date asking where my statement and card was. They were supposed to remedy the situation and I have been waiting for the replacement card and a new statement. They did reverse the late fees and interest because I did not receive either. I told the clerk at the store my correct address including the po box number and street address. At my first call to the company I told them again my po box and street address. I have not received an updated statement or credit card from the first XXXX telephone call. Today I called and asked about the replacement card and statement and they said I would have to send in a current utility bill with my address and name on them. This was never told to me at any time when I applied for the card or when I called and asked for a replacement card. I am trying to pay the bill on my banking site, but I don't have an account number to put on the payment site. I am never late making payments on any account that I owe. This makes me look bad and I don't appreciate the run around I am getting since I did give them the correct information. The contact at Lane Bryant gave the post office and holiday excuses. I went to the Lane Bryant site after hanging up from the representative and was going to pay my bill. She told me they could get my number with the last XXXX digits of my Social Security number. Not right, it doesn't work that way. They want to know the card number and I don't know the card number because I don't have the card.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: " Comenity XXXX '' online bank provides high yield saving account ( HYSA ) service. On XX/XX/XXXX, I opened a HYSA account, and transferred some fund from my XXXX XXXX checking account. On XX/XX/XXXX, I transferred another sum of money from my " XXXX XXXX '' online saving account into this HYSA account in Comenity. On XXXX, I purchased 6 I-bonds from TreasuryDirect.gov. On XX/XX/XXXX, 4 out of 6 above transactions were denied by Comenity. Then, my HYSA was locked by the Comenit XXXX online bank. Then, I called the BANK customer service many times about those issues : account locked, as well as transactions denied. The customer service agents did not solve any issues for me, just told me they could not do anything. On XX/XX/XXXX, a Product Support of the bank, named " XXXX '' sent me a message to my online banking account, as follows : " % % % % % % % % % % % % A review of your account revealed potential security concerns and/or irregular activity. The use of your account has been temporarily suspended pending the completion of our investigation. In order for us to consider removing the suspension from your account, please send us the following documentation within 14 days of the date of this letter. Please send us photocopies of three documents : 1. A government issued ID. You can choose Either your driver 's license ( front and back ) or your state-issued identification ( front and back ) or your passport ( photo page ) or your military identification ( front and back ) And ; 2. Your Social Security card ( front and back ) And ; 3. The most recent ( within 30 days ) bank statement showing ownership of the funding account. The following information must be visible : 1. Full name & address 2. At least the last 4 digits of the account number Please send this information to : Comenity XXXX XXXX XXXX XXXX XXXX, MO XXXX % % % % % % % % % % % % % % " This message made me suspicious of this bank. Then I sought online reviews about Comenity BANK. Astonishingly, the reviews for Comenity Bank are very bad, as shown in ( XXXX XXXX XXXX ). Many customers had bad experiences similar to me. The BANK just wants to hold money in the bank, not allowing customers to use or transfer money to somewhere else. I do not trust them to handle my identity information : copy of my driver license, and copy of my SSN card. My identities would be in danger should I give them.
Company Response:
State: FL
Zip: 32606
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: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is for the timeshare company XXXX. I've previously disputed account XXXX XXXX and was deleted from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ) . However, a new item appeared in my credit report with the same account number XXXX but under a different account name " CCB/XXXX '' and is reporting negative under XXXX only XXXX This is the same account from CCB which stands for " Comenity XXXX XXXX ''. I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
Company Response:
State: MD
Zip: 21206
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: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Comenity Bank responded with in accurate information also up dates my the account on my consumer report After submitted, responded sent emails, Ive made phone call to them for the last three weeks I spoke with several agents & was giving different information on the account each time! At this point their VIOLATING my federal protected consumer rights according to the Fair Debt collections Practice Act 15 usc 808 Comenity Bank continue to use UNFAIR PRATICE ACT following 15 usc 1692d ( 1 ), ( 3 ) as well as 15 usc 1692 ( e ) Pursuant to 15 usc 1692 K 813 Following 15 usc 1635 I again DEMAND Comenity Bank to zero out this account & remove any & all details off my consumer report As well as refund any & all payment ever made upon this account
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A