Date Received: 2022-01-06
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX I kept receiving a call from commenity bank saying my balance is past due. I couldn't understand why because i paid my last statement XX/XX/XXXX. They said i signed up for account assured. I said to the representative that I did not sign up for account assured. My statement said I've been charged a monthly fee, interests, and late fee for account assured. I submitted a dispute and told them that i did not sign up for account assured. I told the representative that if i wanted account assured i would have signed up for it. I see it all the time and ignored the account assured. My phone has been signed in with an unknown device and i had to change my password with XXXX. I asked XXXX to help me identify the devices and XXXX was unable to do so. XXXX told me to change my recovery phone number and email address. Change my password and sign up for the 2 step factor for security reason. All of a sudden i am getting phone calls from comenity back about a bill past due. Please help. I have pictures.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: RE : Comenity Bank payment options. I have a " COMENITY - fullbeauty '' card that I use intermittently. My XX/XX/XXXX statement showed a balance of {$140.00}. I scheduled to pay it in full, electronically, on the due date, XX/XX/XXXX. As of that date, I didn't owe anything on this account. I receive e-statements, but didn't pay attention if/when I got one in XXXX, because I knew the account was paid in full. I happened to check the account today and saw a balance for interest charged on XX/XX/XXXX of {$2.00}. I immediately went online to pay it, but decided to call Comenity to ask how/why I was charged interest on a {$0.00} balance. I wanted to dispute both the interest and any possible late fee. Apparently, last XXXX, Comenity sent an update in terms that instructs account holders to select their online payment method differently if they are paying off the account in full. If you chose the wrong method, it breaks the payment up. You have to choose the " Save on Interest '' option. So, it sounds like I selected the " wrong '' method, my payment was only partially applied, and they charged interest on the other half of the balance, even though I had already paid it. I guess I would be OK with it if their system auto-corrected it, but it doesn't. Without a phone call, I would have had the {$2.00} interest charge plus another {$41.00} late fee owed, on a {$0.00} balance. The rep I spoke with was very nice, and spoke impeccable English, but her accent made it difficult to understand, so I am not 100 % I know what she was telling me. It feels wrong, or at least fishy. If I hadn't called and argued, I would have owed > {$40.00} for not following their weird and arbitrary rules that I didn't know about, and still don't understand. If thousands of account holders just let it go, that's a lot of fees. I don't understand why they would do this other than to trap unsuspecting customers. I'm sure they sent the terms, but I couldn't follow what the rep was telling me, so I doubt I would understand the notice they sent. Oddly, I can not find the terms letter they allegedly sent, even though I have Comenity accounts for at least 5 different stores. Thought someone there should know. It just doesn't seem right...
Company Response:
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I signed up for a store credit card in XX/XX/2021. Upon making a purchase that month, I was sent a bill by Comenity - XXXX XXXX XXXX in early XXXX. I went to the store and made a cash payment on XXXX. I was asked if I wanted to use my {$23.00} reward credit towards my balance of {$190.00} balance. I agreed and paid the additional {$170.00}. A month later I received a bill from Comenity for {$25.00}. I first visited the store and was told to call Comenity. I called Comenity on XXXX and explained the situation. They filed a dispute and said I would hear back after review. Yesterday I received another bill for {$27.00}. I called Comenity on XXXX and was told I need to go back to the store. They were aware of the situation of customers making payments at the store but they had no access to the stores information. I think its unacceptable for the store to send me to Comenity and Comenity to tell me to go back to the store. I have a receipt showing that I paid my debt in full.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have never had an account with the XXXX XXXX bank. There have been numerous phone calls contacting them and they have confirmed that no such account ( XXXX ) have ever existed with them. They sent me a letter indicated that it would be removed from my credit report yet ; it/they are still being reported. I would like the accounts they or someone created, removed from my credit report. Also, there was an account with XXXX XXXX that was paid in full and is now reflecting a zero balance but is being reported as a charge off and not as paid in full. I was told by XXXX credit, XXXX, and provided written verification that the account was paid but they are indicating that it is being reported as a charge off by the original creditor which is comenity bank even though it was paid. It's is just a lot of run around and I keep being told by the companies ' representatives to keep disputing these items with the credit bureau and the credit bureaus just don't remove them ( even with written proof ) or they remove them and put them right back on my credit report.
Company Response:
State: SD
Zip: 57006
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have had a credit card with XXXX XXXX ( card issued by Comenity ) since XX/XX/2021. I have used the card several times. I log onto my credit card accounts weekly to pay off any balances that may exist. I have not received any statements from Comenity listing my purchases nor payments. When I called their customer service, they stated that I am not entitled to a statement, nor do they generate a statement if the account balance is zero at the time a statement is due to be generate even if there has been activity on the account. It is my understanding that a bank is required to issue statements if an account has activity regardless if there is a zero balance at the time the statements are due to be generated. I would like Comenity to supply me with statements for the months that my account has documented activity.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank XXXX took automatic payments from my bank account on XX/XX/21 in the amount of {$2400.00} twice. I called their customer service number and a representative told me they would refund XXXX of the {$2400.00} payments back to my bank account which posted on XX/XX/21. I received my XXXX monthly statement and observed that they added back {$2400.00} ( date of entry XX/XX/21 ). They have now billed me XXXX times for the {$2400.00} and only credited me once. I tried to explain that they made an error and neither the customer service rep or her supervisor would listen to me, stating I'm not looking at the statement correctly and that if I needed help, I could get someone I trusted to look at it. I replied that I am not mentally incapacitated and that if they looked at this carefully they could see that I am getting charged {$7200.00} for a {$2400.00} charge. The supervisor hung up on me.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: TORRID COMENITY XX/XX/XXXX payment {$38.00} XXXX {$2.00} payment XX/XX/XXXX payment of {$5.00} Every time I call and request to cancel the card and every time Im told it is cancelled but that Ive accrued a dollar or two of interest so every time I pay it and every month I get another bill. Cancel my card or I will take legal action.
Company Response:
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account is inaccurate and an FCRA violation. COMENITYBANK/XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate in the XXXX and XXXX. Please remove it from my credit report.
Company Response:
State: FL
Zip: 33610
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: 2022-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. XXXX XXXX XXXXXXXX )
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted the debt collector that was servicing the acts, I even had to pay even though I had explain my situation about a family member using my personal information. After going back and forth they made settle the account I was told they will remove it from my cred and they still affecting me although it shows the acct is clorases but keeps showing late
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A