Date Received: 2023-10-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Comenity Bank took over AAA visa. They began sending me late notices without ever sending me a bill. They called me to tell me I was late as well but still never sent a bill. If they remove the negative credit report and fees I will pay them off. They are awful and non-responsive.
Company Response:
State: PA
Zip: 19320
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: During XXXX of XXXX I was offered a discount to open a charge card at the store XXXX. The card is offered by Commenity bank where I have another regular charge card. On a balance of about {$120.00} I first made a payment of about {$25.00} and then paid the balance in full before the due date on the next cycle in XXXX. Since I had a XXXX balance, I assumed I did not owe them any more money ( and was having a hard time accessing the account online as I was having medical issues to deal with ). When I finally accessed the account a few months later, they had charged something {$2.00} in interest, then charged me late fees for not paying it. When I called them they cited a 'minimum interest charge '' they had a right to charge. While they removed all the charges, by then I had 3 over 30 day late payments on my credit report, causing multiple other credit cards to increase their interest rates. When I called to ask them to remove the late payments, they restated they had a right to charge me this and that it was in the fine print on the disclosures. I read ALL the fine print, on line and on the credit card statement and could only find that if you paid on time there was no additional interest. As of now, I still have the late fees on my credit report, which has gone down at least 100 points if not more at times as a result and at least one credit card reduced my credit line on the one card I kept money available for vehicle emergencies leaving me with no recourse for emergencies. I mailed a request to have the reporting reversed this spring ( XX/XX/XXXX ) and they refused. I ran into the same problem with my XXXX XXXX card held by XXXX but at least I knew to look for it and just paid the extra XXXX even though I had paid the card in full and on time. I spoke with someone today at another company who said they had been in the business 20 years and never heard of such a thing. So, maybe YOU can get them to take the erroneous reporting off my credit report. I've attached the first statments showing the balance, the second statement showing I paid in full AND that they then charged {$2.00} interest on the XXXX balance, and then the statement where they wrote off the then {$100.00} dollars in late fees and owed me {$2.00} which they did pay me via check.
Company Response:
State: CA
Zip: 94611
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX was paid directly I never heard of Comenity Bank. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE
Company Response:
State: GA
Zip: 30312
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: When applying for a card I was told they don't approve " my kind '', being I am XXXX american.
Company Response:
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: IKEA Projekt Credit Card issued by Comenity Capital Bank They are overcharging interest by offering various interest rates on different payment plans, then misapplying payments such that it's next to impossible to pay off the balance that's accruing the most interest first. Even as a lawyer, I find the monthly statements indecipherable. Comenity Capital Bank is abusively charging excess interest to clients by not apply payments to highest interest bearing balances first. This is grounds for a class action lawsuit.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Lady called me from Victoria Secret said I owed three payments. I told her Im not three payments behind and asked for the amount she said {$100.00} to include XX/XX/XXXX payment so I asked how much is past due that she alleges and she said I owe {$35.00} for two payments I said that doesnt make since how do I owe {$35.00} for two payments? I also checked my credit report and they are report me 30 days past due for XXXX and report me past due three times since XXXX.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information 1.A detailed and itemized statement of ALL activity to this account, including the original contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. An itemized statement breaking down the balance you claim I owe. 4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt my credit files with the three-primary credit reporting agencies. You are currently in violation of the Fair Credit Reporting Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment 's. This notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A