Date Received: 2023-10-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Account XXXX credit card was paid off XX/XX/23. I received additional notice that there was a $ XXXX fee still on the account after paying off the amount indicated in the latest bill at that time. Starting in XX/XX/2023, Comenity Bank started sending harrassing telephone calls multiple times per day. XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 4 calls + 2 additional 'no caller ID ' calls XX/XX/23 - 5 calls + 3 additional 'no caller ID ' calls XX/XX/23 - 1 call + 2 'no caller ID ' calls XX/XX/23 - 1 'no caller ID ' call XX/XX/23 - 2 calls + 2 'no caller ID ' calls XX/XX/23 - 4 calls + 1 'no caller ID ' call, hourly between XXXX and XXXX CST I finally figured out how to sign in online and paid the " XXXX '' in fees that I have been charged after already paying off the amount listed on my payment in XXXX. I want the company to reimburse me in the amount of {$100.00} for the additional changes and unnecessary harassment and will continue to escalate this and share my story on social media because these practices are unlawful and there's no amount that can reimburse the damage this company has now placed on my credit report.
Company Response:
State: WI
Zip: 54901
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a letter in the mail from Comenity in regards to an open application for a XXXX XXXX XXXX XXXXXXXX Credit Card I did not apply for. The letter said to call them to finish the application. I called the number but told them I did not apply. The service representative took appropriate measures to deny the application and report it to the Federal Credit Bureau.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed a collections for a credit card I opened but never used. And called and cancelled it before even authorizing the card, in XXXX. The card was for {$500.00}. I noticed in XX/XX/XXXX, a weird looking collections appeared on my credit report. No delinquencies are showing, I've NEVER received anything in the mail. It's showing a solid {$500.00} debt and that's. Some committed credit fraud under my name. What I believe happened, is that when I contacted the call center to cancel in XXXX, someone from that company used the card and reported it in a weird manner. So that it could not be detected right away. Now, I have credit cards and I OWN those bills. THIS DEBT DOES NOT BELONG TO ME. I contacted the credit bureau to find out what company this card belonged to. I was advised that it was a COMENITY BANK, CREDIT CARD. I contacted COMENITY and spoke with an account manager in charge. She told me they see that I had paid and closed all cards wit them. At that moment the manager said that she would resubmit a paid in full to the credit bureau, to remove the collections. That did not work. XXXX XXXX still trying to collect on a debt I have no knowledge of.
Company Response:
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I never applied for credit or authorized anyone to use my personal information to obtain credit from COMENITY BANK JUSTICE CREDIT CARD. I have no knowlege of ever owing this bank any money. I received a letter in the mail stateting that I owe {$530.00}. I have been notified through the mail by XXXX XXXX XXXX XXXX who is attempting to collect this debt. The original creditor is Comenity Bank. Furthermore, I am reporting this debt as fraudulent.
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TO WHOM THIS MAY CONCERN I SEE WHERE MY PERSONAL INFORMATION WAS USE FOR CREDIT AND CAR LOAN THAT I DID NOT DO I HAVE PROOF I WAS LOCK UP AND MY IDENTITY WAS STOLEN.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: AN ACCOUNT WSAS OPENED IN MY NAME VIA FRAUD, I ADVISED COMENITY BANK OF SUCH I WAS GIVEN THE RUNAROUND AND EVERY TIME I CALL THEY DONT GIVE ME ANY RESULTS
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I sent my check for payment in full to Comenity Bank for the bill due on XX/XX/XXXX. On XX/XX/XXXX I find out they never received my check. On XX/XX/XXXX I got the new bill with the past due amount and my new purchases and they added interest and service charges totaling {$3800.00}. I sent out the check for the full amount but decided to send it certfied mail through the USPS so that I could track it. Each day I would check to see if my balance went to XXXX. It still was the same outstanding amount after a week. I called them and they said that they had received nothing. I have tracking number XXXX. I checked with the USPS and it was delivered and available at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called Comenity and provided the info. ( a letter was sent XX/XX/XXXX even sent a copy of the certified mail receipt. They have done nothing but charge me more interest. I even spoke to a manager and have written letters and had several on line messages with dispute with no results. On XX/XX/XXXX I went to the bank to stop payment which cost me another {$35.00} and made a new online payment in full which now went up to {$3900.00}. So I paid them an extra {$60.00}. and had to pay {$35.00} to stop payment on the check. If I check their site they still have not updated my account. I want all interest and fees charged back and for them to update my account. I have an excellent payment history with them and should not be charged for their incompetence
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
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: Dispute Report with XXXX XXXX I ordered three pair of pants from XXXX XXXX for our daughter, who has XXXX XXXX and is very hard to fit. They carried a size I hoped would fit XXXX short and XXXX XXXX. The order number is XXXX, date XX/XX/XXXX, for a charge of {$76.00}. They offered free shipping if I opened a credit card, which I did. Three days after receiving the pants, which did not fit, I returned them via XXXX XXXXs which was not happy because I had to pay something in the vicinity of {$10.00} plus and take them to think it was XXXX XXXX. No problem there XXXX XXXX acknowledged that the pants were promptly returned, although it might take I actually am not precise but something like a week or two for the credit to appear. The problem was when I received a bill for the full amount. At first, I thought it was just a crossed in the mail problem so I called Customer Service. Given the option to get the billing information by entering either my social security number OR the account number, I entered my social security number and received a message saying XXXX balance, nothing owed. Good news! XXXX received another bill so this time I called Customer Service to refund the late fee and again entered my social security number and found I had XXXX balance, nothing owed. Good news. NOT. I was beyond frustrated when I received still another bill with another late fee and interest charges for the same purchase, which had been long ago returned. Three more calls, same result XXXX balance, nothing owed. I finally managed to reach a PERSON at Woman Within who gave me the SAME information no balance, nothing owed. This was now taking my time, and I couldn't understand why. When my bank notified me on XX/XX/XXXX that I had an unpaid credit card bill, I couldn't imagine why or who, so contacted them and found it was XXXX XXXX This is what I sent to my bank and was confident this WAS the case : I heard nothing more from my bank, XXXX, where we are Private Clients. I did hear from Comenity Bank however. Their minions assured me I now owed something like {$98.00} for pants I had returned. And I assured them I didn't owe them anything. I think after the third dunning call, I asked to speak to a supervisor. His advice was to call XXXX XXXX, in spite of the difficulties of reaching a human there, since only they could straighten this out. I called XXXX XXXX. Finally reached a person who said no she could do nothing, since I was two payments late ... at which I asked payment for what? Well, I owed XXXX XXXX something like a {$10.00} plus restocking fee, a retroactive {$15.00} plus shipping fee because of the free shipping I had originally received. Most interesting that it cost XXXX XXXX with bulk rate shipping more to ship me the three pair of pants than I had to pay to return them. And nothing could be done, since I now owed two late fees plus interest and something like XXXX XXXX XXXX! For pants returned. This would be laughable, but please consider the poor folks who are hit with this sort of ridiculous charging. I ordered pants in XXXX, returned them, had made more than half a dozen calls to XXXX XXXX and Comenity Bank, calls assuring me I owed nothing. I was threatened with the terrible things that would happen to my credit rating and they did but, frankly, I am confident my credit rating will not be a problem. What is a problem I eventually found out, but it took HOURS of MY VALUABLE TIME was that when I entered my social security number, an OLD, I can't even imagine how old because it was so old it was no longer in their records, BUT when I entered my social security number an old account came up that was closed by the bank for inactivity. I had to think long and hard if I had ever used XXXX XXXX before, and I had for my XXXX XXXX XXXX one time, when she wanted something from them and I sent it. I obviously paid that bill, never used the credit card or XXXX XXXX until ... XXXXXXXX XXXX, but when I put my social security number in instead of an account number, that was what came up. A glitch in their sytsem, I would say. You are given the choice of entering either entering a social security number or the account number and I always knew my social security number. Bless the woman from XXXX XXXX whose research finally figured this out that I once had a XXXX XXXX Credit card, that they closed it for inactivity, and that I also was racking up charges and interest on a returned purchase because of THEIR additional charges which had nothing to do with the actual purchase other than I had returned the merchandise. XXXX XXXX sent me back to Comenity Bank, where I reached a third level manager while I maintained I would not pay any late charges. I had been more diligent tracking this fiasco than most. I would pay the usurous original shipping fees, the unusual restocking fee for clothing 15 % approximately an no late charges. Or nothing. Takeit or leave it. Comenity 's agent accepted {$31.00}, and I have no idea how he came to that amount, but reversed all the late fees. There are three things which concern me. First, and most obvious, is how I repeated received a XXXX balance nothing owed message while accumulating interest, late fees, and additional charges on an account which did not show up on their automated system nor with the first XXXX XXXX person I reached. Second, how dunning calls by admittedly people who could only manage their part of the system from Comenity insisted nothing could be done but that I pay. We have a daughter with XXXX XXXX and she would have paid, a justified charge or not, because she wouldn't know what else to do, and how many others would be in the same boat or so worried about their credit rating that they would pay, justified or not. Third, the bouncing back and forth between XXXX XXXX and Comenity, both of whom assured me that THEY could do nothing, nothing, nothing, and only the other could help me. Help was in short supply. I assume you will recognize that I made prodigious efforts to straighten out this mess. Surely, there is a better way.
Company Response:
State: NH
Zip: 03079
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment of {$1000.00} on XX/XX/, to my XXXX Comentity Bank Credit Card. Comentiity initially stated they did not receive the payment ; therefore, I provided an electronic transmittal form from my Bank, XX/XX/XXXX, showing the payment was made on XX/XX/. Comentity Bank sent an email to customers on XX/XX/ stating their systems was down between XX/XX/XXXX to XX/XX/ and all payments that fell between these dates would not be liable for late fees. After approximately 12 communication attempts ( One attempt involved a 2 page letter along with 10 pages of documentation sent via hardcopy & registered mail to Comentity Bank ) between myself and my bank, the dispute has ended with the Comentity Bank stating they returned the payment to XX/XX/XXXX on XX/XX/XX/XX/2022 XXXXXX/XX/XXXX did not receive the payment and contacted Comenity to investigate the matter. XXXXXX/XX/XXXXs final determination stated Comentity bank reimbursed me for the amount. On XXXXXX/XX/2023 I contacted Comentity Bank and spoke to XXXX, the supervisor. I asked for the electronic transmittal documentation showing the payment was reimbursed to me and XXXX stated he would open a complaint regarding the matter and communicate with me via email or phone call. As of XXXX, no communication has been received and I still have not received a {$1000.00} reimbursement. I contacted the Comenity Customer Service team on XX/XX/and was directed to their website to submit an email regarding the matter. I provided yet, another email regarding the matter. It has been 478 days since I made this payment, and I have not received any documentation with a resolution from Comenity Bank.
Company Response:
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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: Ulta credit line with wrong credit line amount, fraud charges not reimbursed and that affected my credit score... closed it but problem was not resolved ... rewards stolen ... .they said I could not fight them ..?,... Wrong APR ... as well ... they did same with XXXX XXXX credit card, and others under comenity Denied XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Credit card line wrong and wroXXXX XXXX ... .since XXXX XXXX XXXXXXXX benefits limited, wrong APR, and credit line and Talbot 's credit card line of credit and APR... it is not income ... ..they are holding me down ... my income, etc and shut down other sources of income .... Blacklisted, defamated forgery restricted discriminated ilegally retaliated persecuted ilegally Advise
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A