Date Received: 2021-12-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Victoria Secret decreased my credit limit on XXXX XXXX from {$650.00} to {$100.00} without notice.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My credit limit dropped from over XXXX to XXXX. I don't know why the limit dropped. It has dropped out of nowhere. I couldn't even make a purchase.
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I recently paid off two Comenity store cards, XXXX & Victoria Secrets. I paid in full the account balances, one in XXXX and one in XXXX, leaving with a statement balance of zero. Today I decided to double-check my paid-off accounts and there was now a {$2.00} interest charge. I called both credit card account services and no one could explain to me WHAT BALANCE they were using to charge interest. Having had this happen with the same bank, Comenity and BOTH were paid off, it greatly concerned me. Being in later years, I am aware enough to double-check banks. I worry about the younger first-time cardholders, using Comenity, getting a serious DING to their credit report not being aware the Comenity charges interest on a ZREO balance card! Late payments could be serious! Both, XXXX and Victoria 's Secret Comenity credit cards EASILY and extremely willingly took the charge off and I am good. Just want to report the fuzzy math interest charges to help others.
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX XXXX XXXX card owned by Comenity Capitol Bank has consistently charged a {$29.00} late ( which will go up to {$41.00} XX/XX/XXXX ) when I make my payment online on time. They send the statement out 30 days in advance but dont allow you to make the online payment until 2 days prior to the due date which is the XXXX of each month. This is totally unethical! They also charged me a {$29.00} late fee for missing a XXXX payment which was indeed made XX/XX/XXXX but did not reflect on my XXXX statement. Ive spoken with Comenity and they admit they send the statement out 30 days early but only allow online payments to be processed 3 day prior to due date which makes than automatically late!
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed due to inactivity and I was never late with payments and now they are saying the credit limit is the debt i have to pay. I tried to get Victoria secret to release my account and they wouldnt. They told me I had to pay first then open up a new account.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2021, I applied in Zales Jewelry store for a {$5000.00} line of credit. On XX/XX/2021, Comenity Bank notified potential XXXX XXXX account applicant/customer # XXXX, XXXX XXXX XXXX XXXX through letter to provide Government issued I.D., Social Security Card and a current bill in order to verify my address and identity. Immediately I submitted request documents through email address at XXXX. XXXX credit bureau notified me that my identity was checked and verified by Comenity Bank on XX/XX/2021. I contacted Comenity Bank 3 separate times to try and fix the delays and discrimination towards my application. But I had no success but rudeness. On XX/XX/2021 Comenity Bank sent me a letter of denial due to not being able to verify my identity. I called the denial department and the representative named XXXX was rude to say that I have to go back into a Zales jewelry location and reapply. On the Comenity Bank computer data base, application reference # XXXX, had records of receiving valid US veteran Louisiana government issued drivers license, official Social Security card, and XXXX XXXX Bank credit card bill. I was denied a re-consideration of myZales Jewelry reference # XXXX on XX/XX/2021.
Company Response:
State: LA
Zip: 70508
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing XXXX XXXX XXXX in XXXX, Utah saying I owed {$500.00} for my ToRRID credit card account but Ive never recieved any kind of notification from XXXX XXXX XXXX credit caard balance was only {$250.00}
Company Response:
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was recently closed for no reason I have not charged in some month 's but we are in a pandemic. This is a XXXX XXXX XXXX bank card. Reopen with a higher limit removal from My credit report.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I applyed for a credit card at XXXX XXXX which i have never recived, and i think somesody is using it. Screwing all my credit. What i think is that they sent it to a wtong address.
Company Response:
State: TX
Zip: 775XX
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: 2021-12-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Zales lowered my credit limit due to inactivity.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A