Date Received: 2022-01-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Commenity bank has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to commenity to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses Commenity bank, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve XXXX credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.
Company Response:
State: TX
Zip: 78717
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Upon submitting a complaint against XXXX for reporting negative information on my credit report, the company did an unauthorized hard pull on my report. Report number XXXX.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On or about XX/XX/2021 I attempted to make a purchase using my Express Card managed by Comenity Bank. The transaction was declined. I contacted Comenity Bank through their website, stating that the card appears to have been closed and asking them to reactivate the card. Comenity 's Customer Service responded on XX/XX/2021 stating they closed the account for inactivity and that they could not re-open the card, but invited me to reapply for a new card. I do not wish to set up a new, separate account since this would create multiple tradelines on my credit bureau report, and affect the age of the account ( and thus my credit score ). Comenity 's action impacts my credit report and I seek relief under the FCRA.
Company Response:
State: SC
Zip: 29609
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company in question is XXXX. Do to resent medical events and other occurrences, it was a medical suggestion for me to get a pet for emotional support. Long story short, I went to see a pet at XXXX, they had me fill out some paperwork while I played with an adorable puppy. Then I was given 24hours to decide if I wanted the dog that I saw and played with that day. ( XX/XX/XXXX ). I came home, did a little research and decided that I did not want the dog, the very next day or any other date in the future. I informed XXXX personnel on ( XX/XX/XXXX ) less than 24hours later of my position, not to proceed with the purchase. A few months passed and some time in XX/XX/XXXX, I received a bill stating that I owed {$2200.00}. I immediately contacted the credit card server to file a complaint. I was told that an investigation would be conducted and that someone would be in touch. No one followed up with me and I continued to receive stressful calls for collection. Do to some unforeseen financial issues alone with the medical ones, I was encourage to file bankruptcy and XXXX was a part of the inspiration for me to move forward with the recommendation given by my attorney. Perhaps my creditors will get some sort of payoff from the bankruptcy including XXXX, but my complaint and real concern is, how many other individuals are being scammed or harassed into such difficult circumstances and feeling helpless as thought theres nothing they can do about the threat of this type of credit reporting? And by the way XXXX has since then remove their companies name from the XXXX, which was where I retrieved most of the discouraging information not to buy a pet from them. And still to this day ( XX/XX/XXXX ) I do not have and did not purchase a pet of any kind from XXXX or any other pet venders.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Problem when making payments
Subissue:
Consumer Complaint: XX/XX/2021 and again at XX/XX/2021 They refuse to cash in the check that was sent to them.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021, I made a payment on my XXXX credit card ( provided through XXXX XXXX ). I had intended to pay the minimum payment plus the late fee ( I was paying 2 days late ). The payment amount was intended to be {$100.00} but it was processed for the statement balance {$1100.00}. When I called to ask for a partial refund they said because it was not an overpayment they wouldn't refund my payment. The refund would not have put my account past due and would have still been more then my minimum payment.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I bought my wife a one-carat diamond ring to commemorate our XXXX wedding anniversary in XX/XX/XXXX, using XXXX XXXX Credit Card issued by Comenity Capital Bank XXXX It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the remaining account balance in full in XX/XX/XXXX, the last month of the twelve-month promotion. The balance in XX/XX/XXXX was {$400.00}. Shockingly, I found that Comenity Capital Bank imposed a {$480.00} finance charge in the XXXX statement, which included all interests accrued in the past 12 months. Although I filed a dispute to request a waiver of the finance charge, it had been rejected. Until I checked Account Summary of the XXXX XXXX Credit Card website in XXXX, I absolutely had no idea that interest had continued to accrue over the past 12 months! I have been receiving paperless online PDF statements so that its hard to check the monthly statements line by line, page by page. I cant understand that Summary of Account Activity on the first page of the monthly statement and Account Summary of the XXXX XXXX Credit Card website state nothing about interest accrued for the past 11 months until XX/XX/XXXX. Above all, Comenity Capital Bank placed details on interest accrued for the past 11 months on the third page of the four-page statement, which I cant understand at all. Surprisingly, however, the XXXX statement shows all account activities and accrued interest as the attached XXXX statement shows. It proves that Comenity Captial Bank has intentionally and deliberately hidden information on account activities and accrued interest to confuse customers and give them false information! No one would imagine that interest accrued for the past 11 months would be charged at once since it was listed or shown nowhere. I doubt if all of the above is Comenity Capital Banks fair business practice to their customers. Although Comenity Capital Bank should have notified transparently that they would charge all interests accrued in the past 11 months or impose a certain amount ( {$480.00} or whatever amount ) as the finance charge in XXXX if the account balance is not paid in full by the XXXX payment due date, they didnt do so. Their warding on the monthly statement is so unclear that it seems to intend to confuse customers and prevent them from paying the remaining account balance in full. To sum up, Comenity Capital Bank significantly forces customers to accept an unfair condition. Accordingly, this is an unfair contract since it forces customers to accept an unfair condition disadvantageous only to consumers. I think I only have to pay interest on {$400.00} since my remaining account balance was {$400.00} in XXXX.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX -- Complaint being filed due to Comenity Direct High Yield Savings account being opened with {$1400.00} in deposits from Personal JOINT XXXX XXXX Checking acct. # XXXX and credited to Comenity Direct High Yield Savings Account # XXXX. On XX/XX/XXXX, Comenity Direct restricted access to XXXX # XXXX, consequently I can not close the account, transfer money back to XXXX XXXX Checking Account or receive the {$1400.00} balance in this account. Details Below : XXXXCompleted and submitted online application for Comenity Direct High Yield Savings Account. XXXXComenity Direct HYSA was opened ( acct. XXXX XXXX ) with a Funding Amount of {$250.00}. XXXXSuccessfully added data sharing preferences with Comenity Direct, connected by Plaid through XXXX XXXX acct. # XXXX. XXXXReceived email from XXXX stating XXXX XXXX Checking from XXXX XXXX XXXX acct XXXX # XXXX was added as a transfer account. XXXXReceived email from XXXX thanking me for opening an account. XXXXTwo factor authentication was successfully enabled for my account. XXXXTwo small deposits ( {$.00} / {$.00} ) from Comenity Direct were successfully deposited into my XXXX XXXX checking account XXXX XXXX. I confirmed these two small deposits with Comenity Direct through the secure messaging email at Comenity Direct. XX/XX/XXXX -- Two small deposits ( {$1.00} ) were reversed and withdrawn by Comenity Direct. XXXXFunding amount of {$250.00} was withdrawn from XXXX XXXX acct. XXXX XXXXXXXX by Comenity Capital and credited to Comenity Direct HYSA # XXXX. XXXXReceived letter from Comenity Direct ( dated XX/XX/XXXX ) requesting additional information within 14 days in order to process High Yield Savings Account application. They requested a recent utility bill or a recent bank statement or most recent W-2 or 1099 Form. I sent a copy of my business checking account statement since they requested a recent bank statement rather than a statement from the funding bank account. Sent all three requested documents on XX/XX/XXXX. XXXXTransferred an additional XXXX electronic transfer deposit from checking acct. # XXXX in the amount of {$1200.00} to XXXX acct. # XXXX and was credited on XX/XX/XXXX. XXXXBalance in Comenity Direct HYSA is {$1400.00} XXXXReceived email from XXXX, MO, Product Support Representative Customer Care stating they had received documents in the mail but were unable to find a reason as to why they were sent. I responded to the email explaining that they had requested additional information and three identifying documents which is what I sent and what they received. XXXXReceived email from Comenity Direct stating XXXX Were Sorry, Were unable to approve you for a Comenity Direct High-Yield Savings. XXXXComenity Direct HYSA # XXXX was restricted. I can not transfer or withdraw my {$1400.00} and can not get an answer from Comenity Direct on how to gain access to my funds. XXXXReceived email from XXXX, MO, Product Support Operations Specialist thanking me for confirming that I had sent the requested documents through U.S.P.S. XXXXReceived email from XXXX, MO, Product Support Operations Specialist stating that they were waiting on proof of ownership of XXXX Bank acct. # XXXX and that I could email it back through there secure email as an attachment. XXXXEmailed latest XXXX XXXX acct. # XXXX through secure email at Customer Care XXXX XXXXReceived email from XXXX, MO, XXXX XXXX XXXX 1 acknowledging the receipt of the XXXX XXXX emailed statement XXXX XXXXReceived letter in mail from XXXX XXXX Customer Care requesting the same information as previously requested except for the bank account statement which shows ownership of the funding account. I told them that I had mailed all the documentation requested including the Funding Bank Statement on XX/XX/XXXX through the XXXX. XXXXReceived receipt from XXXX. that the documentation that was mailed to Comenity Direct Customer Care had been delivered and Picked Up at the XXXX, MO Post Office. XXXXCalled Comenity Direct Customer Care and XXXX XXXX XXXX and XXXX. XXXX stated that she had reviewed the documentation for fraud and had forwarded the submitted documents to management for review. XXXXReceived email from XXXX, MO, Product Support Rep 1 stating they had received notification of my recent phone call and that my account is being reviewed. Once they have additional information, they will communicate that through this secure messaging center. We apologize for this delay. XXXXCalled Comenity Direct Customer Care and spoke to XXXX and she stated that my account was still restricted and that it is currently being reviewed by management. She also said that the Management Review Department was very backed up due to the number of pending account reviews and the restriction was scheduled to be resolved by Friday, XX/XX/XXXX. XXXXReceived email stating that my Enhanced Statement for XX/XX/XXXX, acct. # XXXX was able to be viewed and downloaded. This statement, which is attached to this complaint shows a balance of {$1400.00}. XXXXCalled Comenity Direct and talked to XXXX and she called the Internal Department to find out what the problem is. I was told that the account is under Review and that the Internal Department has contacted the funding bank to verify the ownership of the XXXX XXXX, XXXX. account # XXXX and they have not heard back. I told XXXX that I had mailed and emailed copies of my latest XXXX XXXX XXXX statement showing that this was a joint account and that I was an owner. She stated there is nothing she could do and that THE ACCOUNT IS UNDER REVIEW! XXXXAccount still RESTRICTED and I still do not have access to the {$1400.00} in our Comenity Direct High Yield Savings Account # XXXX and all correspondence with Comenity Direct Customer Care ( emails and phone calls ) states that my account is being reviewed. Once again, Comenity Direct HYSA XXXX XXXXXXXX is RESTRICTED. I can not transfer or withdraw my {$1400.00} from Comenity Direct HYSA XXXX XXXXXXXX and can not get an answer from Comenity Direct on how to gain access to our savings. Thank you for your help!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A wire was sent to my Comenity Direct account on XX/XX/XXXX in the amount of {$44000.00}. However, the Bank did not book in the funds until 3 days later on XX/XX/XXXX, depriving me of three days interest. The Bank justified its ' action by falsely claiming that XX/XX/XXXX was a Bank Holiday, with a subsequent weekend. The XXXX XXXX Reference Number that proves the funds were received on XX/XX/XXXX is XXXX. I request the CFPB compel the Bank to credit my account three days of additional interest.
Company Response:
State: TN
Zip: 38119
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: 2022-01-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have a credit card with XXXX XXXX and I have paid the resting amount and it still shows up on my credit and its saying they charged a 2 dollar fee and they said it was a mistake and it still shows up on my credit and my credit score went down And I want that fixed.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A