Date Received: 2022-01-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: During our trip to the mall in XXXX, NC, on XX/XX/XXXX we visited the XXXX XXXX retail clothing store. My wife picked out several items and when we arrived at the checkout counter, the cashier presented us with the offer to save 20 % for simply applying for a store credit card. We decided to apply and once approved we checked out. The cashier provided our receipt of purchase, along with a brochure and another receipt with the information for our newly open store credit card. In mid-early XXXX, I can't recall the specific date. I attempted to check the status of the account using the materials provided by the cashier the day we originally open the account. We had not received a statement or a physical card. I tried to call to check the balance, as well as the link for online payment and found that I couldn't access the account without the XXXX card number. The receipt provided at purchase did not provide this information, so we couldn't use that. Once I realized that I wouldn't be able to access the account or make a payment, I reached out to customer service via the number written on the brochure. After working through the automated service, I eventually was able to make contact with a customer service representative. Once I explained what we had been trying to do, the representative recommended on the issue a new card. When I asked about making a payment, he said that I would need the card number to make a payment over the phone, but he assured me that the first statement wouldn't be due until XXXX. When we received our reissued card in the mail, shortly we went online to make a payment. After gaining access, we were able to see that the payment was due on XX/XX/XXXX, it was XX/XX/XXXX. We paid the balance in full by providing our checking account information. Today, XX/XX/XXXX, I went online to check the status of the account and noticed a late charge applied in the amount of {$29.00}, which was post-dated XX/XX/XXXX. When first accessing the account this charge was not there. Additionally, the account balance was showing an applied interest to the late charge of {$2.00}, dated XX/XX/XXXX. I don't know that I was surprised, but I wasn't worried due to the circumstances. I then proceeded to call customer service again in an effort to get the charges removed. I made contact with a representative named XXXX, he didn't offer any other information that could identify him, as the last name or employee #. I explained to him the circumstances, letting him know that we had attempted to pay the balance weeks prior, and due to the process where we had to have the XXXX card number we couldn't make payment. I asked if he could remove the additional charges, he said he would check. He came back and said that I didn't qualify. I don't know what the qualifications are, but to ensure that he understood the situation accurately, I explained again the attempts we made to make payment. He continued to tell me that the charges wouldn't e removed because it was late, even though I called and tried to make a payment. I see these as reasonable circumstances, being that even though I attempted to make a payment week in advance, their way of processing payment didn't give us the opportunity to do so. I understand the need for a business to have established processes in receiving payment, but there should be a process in place for a new customer to make a payment even if they have received a card in the mail. Someone making a payment or paying off a balance wouldn't be an indicator of fraud. I don't see this as an issue on that where the consumer should be responsible for a late payment because they didn't have a workaround or alternative process in place for making payment. It should be the responsibility of the business to make efforts reasonable for the consumer to make a payment. If the processes that they have in place make it difficult or put the consumer in a position that they make a payment until a later time, then the business shouldn't put the responsibility on the consumer. I understand that late fees and charges are part of their business model, but if the consumer makes a reasonable, early, and effort to make a payment and can't, then the consumer shouldn't be responsible for a late fee. Either way, I attempted to make a payment week in advance and was told to wait due to their process. When I was able to make payment, I did and should not have been subject to any late charges. Coincidentally, the payment was due by XX/XX/XXXX and when I finally gained access to make payment through their online service, it was XX/XX/XXXX.
Company Response:
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the company several times in the last year and a half providing information to them showing them the account was not mine. I've sent a police report, FTC report, my identification and a plethora of other documentation just to be told that information was not good enough. This has gone on for far too long. I have not received an original contract proving the debt belonged to me -- just a statement. Also, according to my credit report, each reporting agency has a different opening date. But if this information was accurate why are they all reporting the same thing? Reporting an error and even fixing an error is a violation with a fine of {$1000.00}.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
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: An old out of statute of limitations debt is reporting inaccurately by this bank. The bank ( Comenity ) sold the debt for pennies on the dollar to another debt buyer ( XXXX ) XXXX years ago. However, both XXXX and Commenity are reporting a different amount of the actual debt since than the last bill was sent XX/XX/2018 and then charged off in XX/XX/2018 ( see documentation ). Last amount before chargeoff on the bill - XX/XX/2018 : XXXX Charged off amount reporting by Comenity and XXXX : XXXX The documentation was provided to me by XXXX, however, even so still they are reporting inaccurate information in violation. Comenity, the original creditor, is also reporting different charge off dates last date of payment date on XXXX XXXX : XX/XX/2018 last payment on XXXX : XXXX last payment on XXXX : no data the reason for this is possibly because Comenity never applied a payment I made of {$150.00} in XX/XX/2018 to bring the account current.
Company Response:
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XXXX XXXX 2021 my balance was {$1800.00}. I paid the balance in full, and I called Comenity Capital Bank XXXX XXXX powerup rewards credit card to close my account and received an email stating that my account was closed. They did not close the account and they have been charging me interest on it. what they are trying to do is nickel and dime me for chump change.
Company Response:
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to COMENITY BANK and requested information for two accounts. I have yet to receive a response. COMENITY BANK is in violation of my rights as a federally protected consumer. accounts : COMENITY BANKXXXX account # XXXX COMENITYBANKXXXX account # XXXX
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am the consumer, original creditor and natural person. Comenity Capital Bank has denied my right to credit as I applied for a XXXX XXXX credit card account on XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Comenity Capital Bank violated federal law by denying my credit application. Comenity Capital Bank also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Comenity Capital Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was sued by XXXX, XXXX and XXXX on behalf of XXXX XXXX XXXX. XXXX claims that I owe them moXXXX XXXX XXXX XXXXnt accounts. XXXX XXXX : Comenity Bank ( Victoria 's Secret ) {$3300.00} Comenity Bank XXXX XXXX XXXX ) {$2900.00} Comenity Bank XXXX XXXX XXXX XXXX$3400.00} XXXX XXXX XXXX XXXX$970.00} Through extensive research I learned that XXXX and its affiliates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been sued by CFPB for issues such as mine. XXXX along with it attorneys continue to pursue debts collections with no legal grounds to do such. XXXX XXXX XXXX through its Attorneys XXXX, XXXX and XXXX filed multiple lawsuits against me in XXXX and XXXX which they were granted without providing any legal documentation to do so. I first disputed these debts on XX/XX/XXXX via email with XXXX, XXXX and XXXX. I received no response and wrote another email on XX/XX/XXXX after receiving another letter by mail from XXXX. On XX/XX/XXXX I finally received a response from XXXX XXXX from XXXX office stating that due to privacy they could only speak with me via phone. XXXX continued to refuse to speak with me EXCEPT for by phone. I feel that this is because they do not want the communication in writing. After numerous disputes and failed/ ignored request for documents bearing my signature, and proof that I have any legal obligation to XXXX they filed suit against me in district court. I had never been through anything like this. I appeared the day of court with copies of all the emails showing my request and stated they had yet to provide me with any documents other than 1 page copies of statements. Unfortunately because I didn't provide these prior to court my please fell on deaf ears and XXXX was granted judgement. Following that they are now posting small {$10.00} or less payments on these accounts each month which are not being made by me. I feel they are falsifying payments in an effort to keep these accounts active and extend time limits. This company has destroyed my credit. I cant buy anything, not a car, a house, NOTHING! EVEN AFTER JUDGEMENT I have continued to seek proof from XXXX. I have specifically requested copies of contracts bearing my signature and was told by their employee " that I know better than to request that because everything is done online these days. '' The law specifically states I am entitled to that. Your agency filed lawsuit filed on XX/XX/XXXX, which stemmed from a previous investigation and broken consent order that was put into place to avoid litigation from XXXX. It is more than apparent that XXXX XXXX XXXX and affiliates continue to break the terms of the XXXX consent order by continuing to collect money from consumers like myself through regular collections as well as the filing of lawsuits when they do not possess the legal documents to do so. XXXX states that they acquired these accounts XX/XX/XXXX. That date came after XXXX consent order and before the XXXX suit filed by CFPB. I have continued to requested multiple times for XXXX to provide me with proper documentation that they have a legal right to collect any monies from me. The ONLY documentation I have every received from XXXX or their attorneys is a copy of final credit card statements. Copies of credit card statements does not prove a debt. It is also appalling that it is my LEGAL RIGHT to be provided with the documentation I have requested and being told I know better than to request such. XXXX XXXX XXXX has deliberately not upheld the law and sought illegal judgement against myself and countless other consumers. XXXX XXXX XXXX through there improper, deceitful and phony business practices has ruined my credit, which has prevented me from even being able to own a home. These debts have been disputed with the major breuaes countless times before any judgement was filed and following and XXXX always reports back to the bureaus that they are correctly reporting which is yet another falsified action on their part. I wish to have all of my accounts with company dismissed, and removed from my credit report at once. It is my hope that you can assist me in this matter. This company can not be aloud to continue to lie and take advantage of consumers. Any help with this matter would be greatly appreciated.
Company Response:
State: OK
Zip: 734XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Commenity bank account fraudulently issued a credit card using my information. They said I would not be responsible for the charges. This was identity theft.
Company Response:
State: PA
Zip: 19348
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
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: XXXX Applied for a credit card with XXXX XXXX by ( Comenity Captital Bank XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) XXXX I charged XXXX XXXX received billing for {$17.00} XXXX I paid the {$17.00} with direct paycheck from my bank XXXX. Check attached. You will note on the front upper left corner the account # XXXX ( that's my new XXXX Credit Card #. ) You should note on the back of the check is information showing Comenity deposited into their Bank XXXX XXXX my check on XX/XX/XXXX. ( Due XX/XX/XXXX ) Note on the back showing their deposit of my XXXX XXXX XXXXit was deposited this in XXXX # XXXX. ( thats my XXXXXXXX XXXX XXXX XXXX ) COMENITY DEPOSITED MY PAYMENT IN WRONG ACCOUNT. ( That is my XXXXXXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Received a Billing Notice from XXXX for {$36.00} ( XXXX ) for LATE PAYMENT FEES ) I have called and talk estimate 10 people to try and clear this. XX/XX/XXXX Customer Care said they could resolve the problem. The assistant said to clear this I would have to pay on line to her {$13.00} and she would waive all fees and charges from from my XXXX XXXX and apply the amount to my XXXX XXXX, because the credit of XXXX had been credited to my XXXX 's card. I did that. ( the letter where Customer Care cleared the problem is attached. ) XX/XX/XXXX -- XXXX I have called many times and written many letters. XX/XX/XXXX -- billing was for {$89.00} on account XXXX continues to grow as all amounts were paid and cleared in XX/XX/XXXX I'm attaching a screen shot of where I tried to send them info on their site but all I ever get when I send is there was a technical glitch and was not received.
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've contacted Community Bank numerous times via phone and mail to fix inaccurate information being reported on my credit report. I have not received a response back. I've submitted messages via the secured message as well, and was told that I needed to contact the company via mail for the disputes at which I stated I have numerous of times, and still haven't heard a response on having the inaccurate and false late payments removed from my account.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A