Date Received: 2021-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: received a credit card statement from an unrecognized bank. The statement contained numerous charges and totaled {$14000.00}. I called the bank and reported fraud. The person took a report and froze the account. Advised me to file this report with identitytheft.gov.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Greetings, On XXXX XXXX, 2021, I consulted with XXXX XXXX about possible hair therapy. The XXXX consultant, XXXX sold me a {$4100.00} package and issued that loan under my personal credit through Comenity Capital Bank- XXXX XXXX XXXX XXXX XXXX . The minimum payment amount was originally set to be around {$150.00}, however, I adjusted it at {$200.00} as a good-faith amount to pay my account off earlier, assuming my income and situation remained the same. To date, i have only used and paid for 2 months of services ( XXXX and XXXX of 2021 totaling {$150.00} min payment/per month x 2 months= {$300.00} ). However, since I elected to pay more than minimum payment at {$200.00}, I ended up paying {$400.00} for these months. In XXXX of 2021, I was placed in an unfortunate hardship where I would no longer be able to be seen by XXXX, and unable to make the payments. As a result of this hardship, I contacted XXXX in XXXX of 2021 to cancel my existing appointment. However, I was still charged the monthly payment of {$200.00} on XX/XX/2021. I then contacted commenity bank of the situation and requested cancel the prorated loan of {$4100.00} and to refund me the prorated difference for services i did not receive. Commenity bank advised they would un-enroll my account from autopay, however, I had to contact XXXX XXXX for them to submit the cancellation request to Commenity Bank to issue the prorated refund. I was also advised by another XXXX office in order to cancel my membership, all i had to do was mail a written cancellation request to XXXX 's mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, which I did on or about XXXX XXXX, 2021. I then contacted XXXX XXXX to request for a prorated refund and cancellation, in which i spoke to a gentlemen who advised that he was unfamiliar with the cancellation process and advised I call back later. I contacted Commenity Bank again to check on the status of my refund/cancellation from XXXX, in which Commenity bank advised they still did not see the cancellation request from XXXX. Thus, I filed a dispute through Commenity Bank to launch an investigation against XXXX. On XX/XX/2021, I finally got a hold of XXXX XXXX 's manager- XXXX to check on the status of my cancellation request. During this phone call, I was put on hold, had the phone disconnected where I had to call back multiple times and was given the run around. Upon calling back again about my cancellation request, I was eventually transferred to XXXX, who advised that she will put in the cancellation request, for me to expect a phone call back from her within 24 hours confirming the cancellation, and for me to continue making the monthly payments. I asked her why am I supposed to continue making payments on something that is being canceled? It has now been over 1 week since XXXX of XXXX XXXX was supposed to call me to confirm my cancellation request-but still hasn't. I again contacted Commenity bank who, contrary to XXXX 's advice, advised that I did not have to make any payments during the dispute process. However, i continue to receive payment reminders that my payment is due! I feel that i was swindled into a deceptive contract with no way out besides consulting with a 3rd legal party. Please help!
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on COMENITYBANK/JCREW ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( XXXX XXXX )
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Comenity bank continues to call both me and my girlfriend over a debt that is owed by my niece XXXX XXXX of XXXX XXXX, XXXX. We live in XXXX XXXX XXXX XXXX and I don't even remember the last time I spoke to her and my GF has never even met the woman. I have repeatedly told them to remove my and my GFs phone number from their database but they continue to call us harassing us about getting in touch with XXXX. I have provided Comenity much detailed information including XXXX XXXX phone number and address, her husbands phone number and address, their XXXX pages, their business phone number and address and even their father 's phone number and email address. They refuse to stop calling us and it needs to stop. The phone number they are calling from is always different but they want us to call XXXX.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a high-interest savings account with XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX, I deposited {$100.00}, and then on XX/XX/XXXX, I deposited {$40000.00}. I received a mailed letter in late XXXX requesting copies of my DL and other documents to verify my identity, stating my account was suspended. I wrote a message to the bank in the bank 's online messaging portal on XX/XX/XXXX that read the following : Hi, I got a letter saying that my account has been suspended, and you need more info from me. I just want to make sure that the letter is legitimate before sending my personal info. Thank you! On XX/XX/XXXX, I received a reply that simply cut and paste the text from the letter I had already gotten. I sent in all required documents by mail in XX/XX/XXXX. On XX/XX/XXXX, I still had heard nothing and my account remained restricted, so I messaged the bank asking for an update. I got no response. I wrote again on XX/XX/XXXX again asking for an update. This time, the response was an auto-generated message that read : Thank you for your message. One of our customer care representatives will respond to your inquiry within the next three to five business days. If you need more immediate assistance please call us at : XXXX. But I never actually received any response to my question. Finally, I called the bank on or around XX/XX/XXXX. The rep I spoke to had no access to information as to why my account was still restricted and said they would forward my request to a manager. On XX/XX/XXXX, I got this message : Dear XXXX, Thank you for contacting Comenity Direct Customer Care. This request is still under review. Please let me know if you have any additional questions or if I can be of any further assistance. I have yet to receive a response, despite sending multiple messages again. On XX/XX/XXXX, I called again and the rep I spoke to again could not find the reason for my account being restricted, and said she would send a request for an account status update. I requested to close my account, as I no longer trust this institution with my finances, but was unable to do so, because of the account restriction. In short, my account has been restricted since XX/XX/XXXX, with no response from my bank as to why or how to resolve this immediately. These are my only savings and I need to be able to access my money. Thank you! XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: When I opened this on-line savings account it was not made clear that the limit on transferring funds out was only {$5000.00} per day with an additional limit of 4 transfers per month. This is much lower than other on-line savings accounts that typically allow {$100000.00} or more per transfer. I decided to close the account as this was unacceptable. 1. On XX/XX/XXXX I requested that the account be closed and the funds transferred back to bank account that I initially funded it with. 2. I called every few days for the next 2 weeks to find out when the money would be transferred. The only answer i get is that it is " Under Review ''. 3. As of XX/XX/XXXX it is still 'under review '' I feel that this bank is holding my money XXXX by not allowing larger transfers and returning the money in a reasonable timeframe. as I have no confidence the account will be closed anytime soon I have now requested an increase in the transfer limit to {$100000.00} per transfer.
Company Response:
State: PA
Zip: 18902
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The department store Victoria 's Secret has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with XXXX XXXX XXXX on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with XXXX and reporting 30 days late with XXXX. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
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: Hello. I had booked a flight in XX/XX/2020 for a trip in XX/XX/2020. Of course due to the very beginning of the pamdemic, I was not able to fly. XXXX airline refused to give a refund. I took a credit hoping things would improve in a few months. Things got worse. I had to go back and forth with XXXX to extend the credit several times hoping I could use it to avoid losing my {$200.00}. Over a year and half later, we are still in a crisis. It is not safe to fly esp with the new variants and numbers rising with people getting sick. I reached out to XXXX numerous times. I reached out to XXXX XXXX XXXX and they too refuse to help. Not fair to pay for a flight that I did not and CAN NOT take. I made dispute claims with credit card company. Sent letters. Submitted documents. And no response. Finally on XX/XX/XXXX I received an email from XXXX stating the previous representative you spoke with has already submitted a request for a refund, and the case is now being reviewed. Refunds may take up to 7 business days to reflect back on your account. Please follow up with your bank or credit card company in about a week for the status of these funds. No refund has been given to me account. I followed up with XXXX XXXX aka XXXX XXXX. It's been 3 weeks and no answer. Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Victorias Secret close my account due to lack of use for one month all payments were made no calls or letters were sent to me advising that the account will be closed due to lack of use went to the store to use my card and was advised that the credit account had been close I reached out to Victorias Secret to speak to someone about reopening account it was advised that I will have to reapply for a credit card which would cause another hard inquiry on my credit this was unfair and a violation of my consumer rights
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A