Date Received: 2022-01-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2021 Comenity Capital Bank mailed a letter to my home address closing my account " based upon information you provided during our recent phone conversation. '' This phone conversation occurred on XX/XX/2021 when I called the number on my credit card to determine why I received a declination on a charge of {$70.00} when my account had a zero balance and plenty of available credit. The representative stated that there was " suspicious '' activity on my account which I responded was ridiculous since I had recently paid the account off. After several more minutes of my time being wasted, I was told that I needed to answer financial questions in order to use my account. I was not able to provide the information to the first question because I was driving and not at home with my financial documents. I told the representative that I would call back when I was not driving and could obtain the needed answers. The following day the letter was mailed and my account closed. It seems to be retaliation for paying off my account and changing my email address. They did not even provide a number to call to dispute their action. My credit score has since been decreased due to their closure of my account and the loss of the available credit of the card.
Company Response:
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was already was paid with payments to commenity bank/ Victoria secrets. I can No longer log into the old account. Original account was opened XX/XX/XXXX XXXX and 2 months ago. The account was closed and paid. Now the account has been sold and placed on my credit again under commenity bank showing a false date of XX/XX/XXXX which is incorrect. This account was disputed and removed once before with the cpfb for the same reasons and with XXXX, XXXX and XXXX in XXXX and was removed from my credit. Now Im showing the same credit company twice on my credit report. This should be illegal to sell your info after a creditor is paid and had to remove due to this falsified information before.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was a couple days late on a credit card. I couldnt log in so I called the credit card company spoke to an associate that told me if I paid card off in full that theyd wave the late fee. I done as they asked. I received a bill for only a late fee 2 Months later stating it was double {$70.00} plus charged me interest on the late fee. I done as they asked. I still had to pay this to get my account cleared up. However, the associate did knock off some of the $ and they reported me for late fees and interest not any kind of purchases I made after I was told the late fee would be removed if I paid my bill in full as I did. I will never use this card again. They are desperate and hard up to lie to me to get me to pay my balance and still put me as late on my credit report. They are the only late credit card on my credit out of about 12 credit cards.
Company Response:
State: OH
Zip: 44903
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: broadly and across the board, both store and general credit cards, are changing the policy to penalize those who live other then the eastern time zone but making the payment cutoff at XXXX. eastern. This permits them to penalize across the board anyone who is in a different time zone and rack up fees- how is this permissible
Company Response:
State: NM
Zip: 87106
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I didn't receive any statements for this company and when I asked what the amount was of the late fee, the person said {$42.00}. I spent {$21.00} in the store and the amount was {$82.00}. I've been sick and the person speaking would not give me a courtesy fee break. I asked her on XX/XX/22 to let me pay online. She did not hear me and in that and in a second phone random pushy call was barking like a XXXX at XXXX. I'm never buying your underwear again so have fun with your extra {$20.00} that I should not even owe considering I've been sick. We are in a pandemic, no? I could have been a long-term customer since I have good credit and my average card I keep for about seven to eight years. I've been with one card 20 years.
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is now my second complaint against Comenity capital bank. I have been disputing an account with them for years now. Comenity capital bank refuses to provide any validation, statements, and/or contract that I have requested several times from them on an account they are negatively reporting on my credit report I have now found an old letter dated XXXX/XXXX/2028 from Comenity capital bank and in the letter it states Comenity capital bank does NOT have detailed transaction information in retail stores or their merchandise. ( See attached letter provided ) If they Comenity capital bank continues to REFUSE my request of validation of this account, and continues to impact my credit, I will take immediate legal action to the fullest extent of the law against them.
Company Response:
State: MI
Zip: 48842
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
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 XXXX ( aka XXXX XXXX payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account ComenityXXXX XXXX Credit Card opened XX/XX/XXXX. The account was closed and paid in full XXXX, XXXX. The re-assigned credit card number is on my credit report. The refund fromXXXX XXXX was made XXXX, XXXXI have called so may times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listingon my crdit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} XX/XX/XXXX. I did so because of the interest, etc. There is a whole long story behin thisXXXX XXXX XXXX REFUNDED THE MONEY TO COMENITY BANK XXXX XXXX, XXXX. They stated their policy is to send to the original purchase point. I have a dialogue with XXXXXXXX XXXX. I sent a USP priority Mail packet with all the documentation I have to Comenity Bank XXXXs XXXX XXXX XXXX XXXX, XXXX. The tracking on this packet stated Comenity received this packet XX/XX/XXXX, XXXX dI received a letter bacvk thaat the account is closed and the balance is zero. SO what happened twith the {$11000.00} refunded by XXXX XXXX. I have documentaTION TO SUPPORT MY COMPLAINT. I can uplod my credit report pages as well. I have not scanned them as yet.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: This passed week a gentleman called me by the name of XXXX XXXX from XXXX XXXX XXXX. Advising me to settle for an amount of {$340.00} & if I didnt I would be sued for {$1200.00} ( not exact ). A decade ago my identity was stolen & a credit card was opened within the same mall I worked in & they mentioned that department store. However on XX/XX/XXXX I settled this debt with XXXX XXXX in the XXXX XXXX Superior court, & which I have documentation of. I feel as if Im being scammed & I dont know how to go about this.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: COMENITY BANK have violated my consumer rights as a natural person Pursuant, but not limited to, the Fair Credit Reporting Act at [ 15 USC 1681 et seq. ] and the Fair Debt Collection Practices Act at [ 15 USC 1692 et seq. ], and the applicable portions of Truth in Lending ( Regulation -- - Z ), at 12 CFR part 226 et seq., Failure to provide consumer with the original instrument of indebtedness in its original form under penalty of perjury as required under Federal and State law is a violation. If COMENITY BANK continue to report unverifiable or inaccurate accounts on my Consumer file COMENITY BANK will be liable to unfair debt collection practices, False, decedptive and misleading representation pursuant to 15 USC 1692e. COMENITY BANK if fail to provide docuemnts requested by consumer will be held liable to criminal liability for willful and knowing reporting FRAUDULENT ACCOUNTS on a consumer file pursuant to 15 USC 1611 and civil liability for ANY injuries or damages as a result on COMENITY noncompliance.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have a fraudulent closed/opened account. With a false sales pitch XXXX vacation credit took advantage of my shared information with commenity capital Bank creating an account that was binded with a contract without my consent I didnt authorized this actual account for XXXX that has now accumulated fees making the balance go up for none payment. On XX/XX/XXXX, th me and my boyfriend was led to a XXXX vacation resort with the intentions of gaining XXXX for attendance We came in but had a process you follow. First they sit you down in cubicles asking you to share your personal info check off and signed a few areas to help better your chances on deals information was not going to be used unless agreed upon. Soon after we are in a waiting area eating small snacks before entering the presentation. After the presentation we are escorted to a private table to with a representative to talk on our thoughts on future vacations they kept us there for hours because we kept declining we finally came to agreement but nothing was actually finalized or printed out. We was told we will get the info in the mail since they already had our info. I didnt no I left there in a XXXX debt. After we came home from the trip we later received two congratulations welcomed letters. But we didnt agree upon them so on XX/XX/2020 we called the numbers on the letters to cancel them both. My boyfriend received a letter of a zero balance I didnt but I checked with XXXX to see if the account was closed and it was. a month later bills from started generating from XXXX XXXX XXXX I called the numbers on the back of the bills that lead you to Comenity capital Bank. During the investigation period I made calls to try to understand when or how this money was used since I never actually seen it. I then learned that commenity bank agreed to a loan on my behalf without my knowledge. When i called XXXX they did a so call investigation too. They both said the same thing even though your saying you didnt sign we have your signatures. There proof was my first copy of the contract that has small docu signed signatures. I continued to dispute as the account continues to tear my credit apart I just keep receiving random calls from commenity capital bank for payments Im at a lost on what to do.
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A