Date Received: 2022-01-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: OnXXXX i called Comenity BankXXXX to request a payoff amount for that day. I was told I could use the online calculator to get the full payoff for that day. My statement balance was {$2200.00}. Comenity 's online payment option said the payoff for XX/XX/XXXX would be {$2300.00}. That's {$2200.00} for the balance and {$22.00} for interest ( I figured this out today XXXX ). I paid {$2300.00} in full that afternoon. On XX/XX/XXXX, Comenity/XXXX credited my account with {$22.00}. I called Comenity to ask why I received the money. The operator said it was an overpayment. On XX/XX/XXXX, I checked my credit report and noticed my payment still was not posted on all three credit bureaus. On XX/XX/XXXX, I called Comenity/XXXX billing to ask about the credit reporting and I was told I owed {$22.00}. The representative said the fee was because I didn't pay my bill in full in XX/XX/XXXX and that was the fee. After great frustration I asked to speak with a supervisor. She came on and said basically the same thing. She refused to say that they may have made a mistake. She said the fee was because I didn't pay my bill in full for XX/XX/XXXX. She also said the representative on XX/XX/XXXX said I requested a refund. I did not. They said I over paid. She acknowledges it takes 2-3 for a refund to post, but somehow this was instant. At this point, I feel that I was over charged. Instead of marking my account paid in full I have been told 6 different stories. I want this {$22.00} cleared off my account and my credit report to accurately reflect that I paid my bill on time and in full on XX/XX/XXXX.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am a victim of identity theft. On or about XX/XX/XXXX, I received at least XXXX order receipt confirmations from XXXX XXXX XXXX XXXXComenity Bank with multiple items that I did not purchase. When I attempted to access my online account, the password would not work. It was then that I realized that my email was comprised and a hacker obtained access to my social security number. He used it to apply for credit, open bank accounts, raise credit limits, purchase items, etc. On XX/XX/XXXX, I called Comenity Bank and alerted them to the Fraud. They did nothing to address it. The rep gave me false information on the phone by stating that an investigation would be opened, the account would be locked, and I would not be responsible for making payments on the purchases I did not make. However, today XX/XX/XXXX, I received another order confirmation so he did not do anything to protect me as a consumer from additional fraud. I also received a UPS shipment the hacker made that was somehow re-routed to my address. I have not received any return phone calls from either XXXX XXXX XXXX XXXX or Comenity Bank. They also left the fraudster 's phone numbers on my account, allowing him continued access to my personal information after I informed them the correct phone number is XXXX. I have the name of the hacker from an order receipt, XXXX XXXX, in XXXX, XXXX. I reside in XXXXXXXX XXXX at the same residence since XXXX, which is even more disturbing that Comenity Bank did not have enough security controls in place to suspect fraud.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank called me 10 times within an hour span I spoke with the supervisor and she stated she only sees two calls those two calls were within 10 minutes apart. They are calling from an Ohio number as well as a private number. I spoke with XXXX ( XXXX ) who was rude and told me there was no one I could speak to and I had to send a letter to a XXXX XXXX XXXX I advised them I did not want to be contacted by an automated dialer. Yet I was still called on my cellphone by a dialer they stated they could not see how many times the dialer called me.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I XXXX XXXX NOTICE THAT I HAVE AN INQUIRE ON MY CREDIT REPORT FROM VICTORIA SECERT THAT I DID NOT AUTHORIZE I AM A MALE AND NOT SEEKING A VICTORIA CREDIT CARD PLEASE DELETE/REMOVE FROM MY CREDIT REPORT THANKS
Company Response:
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This is regarding Re : XXXXXXXX XXXX XXXXXXXX Acct # XXXX. When I went to confirm what I expected to be a 0 or less balance yesterday XXXX XXXX, XXXX for the aforementioned account I was completely surprised and disappointed I was assessed a {$1400.00} Finance Charge. I had been very conscience in making large monthly payments to ensure the full XXXXXXXX XXXX XXXXXXXX Acct # XXXX loan was paid off by XXXX XXXX, XXXX. I had every intention to make the final payment for the XXXX XXXX XXXX Acct # XXXX loan by XXXX XXXX, XXXX however because I was in the middle of a mortgage refinancing ( refi ) for purposes of debt consolidation had extenuating circumstance which caused confusion with the final payment due XXXX XXXX, XXXX. Yesterday I also called the merchant XXXX XXXX XXXXXXXX ( no longer dealing with Comenity ) and Comenity and both consumer representatives said they could not do anything to rectify the {$1400.00} Finance Charge which I believe to be unfair and deceptive practices compounded by the extenuating circumstances around my mortgage refi. I have been a long time and active customer and Comenity should be working with me to resolve. The extenuating circumstance were : 1. I was in the midst of an approved mortgage refi for debt consolidation purposes and in the attached XX/XX/XXXX XXXX XXXX ( XXXX loan approval ) on Page 4 the underwriter asked me to provide the latest monthly statement balances for many accounts ( including XXXX # XXXX ) the underwriter would pay off directly upon closing the refi loan. In that same section on Page 4 you can see clearly see the underwriter instructed me to ***Please do not pay these off prior to closing. Doing so will require significant paperwork and time to document the payment. 2. On the top of the same page 4 of the XX/XX/XXXX email I submitted the latest CCBXXXX # XXXX account balance which was {$960.00} and is attached ( XX/XX/XXXX XXXX ). 3. In the same attached email trail on XX/XX/XXXX ( XXXX loan approval ) on page 1 after emailing the underwriter my concern that My interest free financing for XXXX XXXX XXXXXXXX ( CCB/XXXX # XXXX ) starts accumulating interest XX/XX/XXXX, I intended to payoff however you told me to not pay it off so I made my regulatory scheduled payment {$200.00} today. Please let me know if I can pay off or wait until after we complete refi. The underwriter told me to wait and hold off making the final payoff because the refi was too far in the closing process. 4. Because the loan was taking longer to close when I reviewed the attached XX/XX/XXXX Statement CCB/XXXX # XXXX the underwriter advised me to pay the minimum {$35.00} balance and that I would be able to recoup any overpayment after the loan was closed. At this point the statement had a {$760.00} balance reflecting the XXXX XXXX, XXXX {$200.00} payment and everything looked as I expected. 5. You can clearly see in items 3 and 4 above I thought the unpaid balance would accrue interest only on the unpaid balance of {$760.00} and that Comenity and I can settle any residual amount. Throughout all my previous interest free loans this has never happened to me, probably because I paid the balance when it was due. The terms of the loan were vague and confusing and I simply assumed I would be paying interest on the unpaid balance. The statements are not 100 % clear about the consequences of not paying off the loan on the final due date and I consider this to be unfair and deceptive consumer practices and have filed with the Consumer Financial protection Bureau ( see attached ). Lastly I have a good recent history with Comenity however if this is not resolved I will certainly reconsider keeping these active accounts open. XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX active XXXX Account XXXX XXXX XXXX active XXXX Account Ending in XXXX paid off
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We received a suspicious letter from a bank : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX We have'n any commercial relationship with that bank. They allege we submitted a credit card application and requested social security card, birth date, residencial address, driver 's licence and a recent utility bill. No telephone number or bank representative signature appeared on the letter.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX : I made a FINAL payment to Lane a bryant comenity bank for {$120.00} confirmed. it went paperless XX/XX/XXXX i have received a statement to my email every month until XX/XX/XXXX. I spoke with not t to find out payoff ON XX/XX/XXXX. I made the payment XX/XX/XXXX XXXX CSR : ID XXXX of comenity / supervisor waived all fees this was still a deceptive practice since i spoke with them on the XX/XX/XXXX and the payment was already late by a day today they said it was due the XXXX but never mentioned that on the last call.
Company Response:
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a letter dated XX/XX/2021 that my credit card had been closed due to " inactivity and / or information on my credit report. '' The letter stated that my credit score as of XX/XX/2021 was XXXX. It further went on to state " Delinquent or derogatory status on accounts is too recent. '' The credit score they are reporting is not what shows up on my credit reports. This of course negatively impacts my credit score. I called the number for the company but got a recording stating that my account is closed and there was no further information. The letter stated I could contact them to review information I feel is inaccurate but obviously I was not able to do that.
Company Response:
State: NY
Zip: 14051
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried to settle this matter and XXXX XXXX XXXX have ignored every request for verification dated in 2018 XX/XX/XXXX asking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. XXXX also advised me the account had been validated with my name and birth date. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? Verifying my name and birthdate is not legal validation of an account. The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A