Date Received: 2021-12-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an Express Credit Card on XX/XX/2021 with COMENITY BANK and made a purchase. I received the purchase on the XXXX of XX/XX/2021. On XX/XX/XXXX I went online to register my account so when the first payment was due my account would be set up. I discover that there was a payment due on XX/XX/2021 but I had never received a statement to let me know this. I paid the card in full and messaged them that I did not receive a statement and please do not charge me a late fee and interest. I get a message back that no fees have been charged yet when the card closes out they charge me a late fee and interest. I message them again and ask them to REMOVE the LATE FEE and INTEREST. They remove the late fee and {$.00} of the {$7.00} in interest. I have been fighting this for months through messages, phone calls and sending dispute letters, Now that {$7.00} in interest from the first fee charges has turned into {$130.00} in FEES and INTEREST ONLY. I have paid for all my purchases in full and have never missed a legitimate payment. They just refuse to stop this FRAUD. Pure fraud by charging fees on top of fees that were never owed in the first place. I am at my wits end because they are going to continuing adding late fees and interest until {$7.00} turns into hundreds of dollars.
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. XXXX XXXX agencies are reporting data incorrectly after being notified. XXXX XXXX and XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXX account number
Company Response:
State: TN
Zip: 37643
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Used my XXXX credit card. Was billed for the amount I charged. Payed the bill in full at the address I had in my bill pay, given to me on my original credit card statement. Check was cashed. Never received credit for my payment. Have contacted Commenity bank. Have sent documentation several times. Called them. Contacted their old account holder for help. No help. Keep receiving new statements with interest charges and fines. Bank will not help. Found out XXXX changed banks from XXXX XXXX XXXX to Commenity and never notified me of the new address for payment. They cashed my check to XXXX at their other account but will not give me credit or work with me. Trashed my credit score from 800s to 600. I need help. Would like to take legal action for relief and damages.
Company Response:
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/2021 : XXXX XXXX : XXXX asked for my phone number : XXXX : cashier located my account W/O my physical card present. I informed cashier of NAME CHANGE, ADDRESS CHANGE. Her XXXX said when the bill generates and forwards to you-make the changes and submit w/ payment. XX/XX/2021 : Never received statement via mail as expected. FOUND copy of XXXX XXXX XXXX ( I DON'T have my card anymore ). Called Customer service : XXXX. Informed : NAME CHANGE, ADDRESS CHANGE. Representative asked if name change was due to Marriage/Divorce? Answered, " XXXX ''. Are you still with XXXX XXXX XXXX? " NO ''. My last name was, and I'm in a different state. Same day, XX/XX/XXXX, I paid over {$200.00} ( XXXX {$100.00} ). Letter dated XX/XX/XXXX, XXXX XXXX VIA COMENITY BANK : We can not send you replacement card. " I NEVER ASKED FOR REPLACEMENT ) And your account is CLOSED '' That's unbelievable. And reported to all XXXX credit bureaus. Score dropped ; XXXX points. Since I have other STORE credit cards, without the physical cards, due to lack of use- like XXXX, wrong name, wrong address, wrong phone number, I guess Comenity Bank will handle by closing these accounts as well. I'm the one that reached out, called, Comenity Bank updating out dated information on me, and they used the information to discredit me. I guess divorce and change of workplace is cause for irrational RUSH TO JUDGEMENT,
Company Response:
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX XXXX Commenity Bank XXXX XXXX XXXX XXXX Oh XXXX Last 4 of account XXXX Phone no. XXXX XXXX XXXX XXXX XXXX I phoned them concerning a XXXX charge for a yearly membership, that I opted out of when they sent an email a few months ago My balance was at 0.00 for a very long time. I recently relocated to Florida part time and just had mail brought by my husband. In it was a bill for XXXX now they want 40.00 late fees in addition and reported it it credit bureau. I just phoned them. Explained multiple times being transfered, with the last transfer telling me to call back during business hours time was XXXX I got nowhere. In addition Im have a similar issue with XXXX which previously was Commenity Bank as well, now sold to another bank and they too have reported late payments and gave some line about my payments being made online need to go thru new bank etc. I have XXXX info on them an d account with them, you get absolutely nowhere talking to them
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for XXXX hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and annoyed. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened XXXX NEW CREDIT CARDS FROM XXXX. The first XXXX is from XXXX XXXX XXXX with a credit limit of {$1600.00} and the second one is from Comenity Capital Bank XXXX XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to XXXX and Comenity XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with XXXX too.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX woman within chgd my XXXX XXXX cc for an annual program they offer that I did not ask for or request. This is the second year in a row they have done this to me. In XXXX it took me 5 months to get it removed and it was into XXXX when it was done with the promise it wouldnt happen again, but it did. I received a paper statement XX/XX/XXXX with this XXXX charge and a late fee because I hadnt pd the XXXX chg that I knew nothing about. I called immediately and as usual was bounced around to multiple people of which didnt speak good enough XXXX that understood what I was trying to tell them, that the charge was fraudulent and I wanted it removed and I wanted credit. I spoke to XXXX, XXXX, XXXX, someone I have no idea what her name was that hung up on me, supvs XXXX, XXXX, and finally XXXX # XXXX who assured me the charge would be removed within 3-5 business days and she gave me Credit for the late fee and finance charge or so she said. XX/XX/XXXX still no credit showed, spoke to XXXX, XXXX who hung up on me, XXXX, XXXX, then XXXX who again assured me hed get that credit thru before another late fee and to NO WORRY. XXXX AT THE BANK told me she could see the credit but she didnt know why it wasnt going XXXX she understood my frustration, she told me to always ask for a supervisor so I didnt get all of these people who dont speak XXXX like I had been getting and on XXXX she transferred me to the order Dept I spoke to XXXX, at XXXX ; XXXX XXXX XXXX, XXXX, and finally XXXX who assured me this time I would definitely get the charge removed and this would never happen again and to close the account as soon as the charge was removed. Well needless to say still no credit came thru. Then I was told by XXXX it would take up to 90 days to disput a charge at which point I demanded to speak to a supervisor because I was never told that previously, then they put XXXX on the phone who couldnt answer any questions someone named XXXX, then finally a supervisor named XXXX which was a wonderful young lady who was extremely helpful she asked if she could place me on a brief hold so she could look at the notes which was fine, she came back, said she would MAKE SURE THE CREDIT WENT THRU, THAT THE PROBLEMS WERE ON THEIR END AND THAT I NEEDED TO CALL COMENITY BANK AND HAVE THEM CREDIT THE LATE FEES AND FINANCE CHARGES BECAUSE THE CHARGES SHOULD HAVE BEEN REMOVED MONTHS AGO WHEN PROMISED BUT IT WASNT. AND SHE TOLD ME TO CLOSE THE ACCT AS WELL. SHE CALLED ME BACK LATER THAT DAY XX/XX/XXXX AND TOLD ME THE CREDIT HAD BEEN DONE AND I WOULD SEE IT IN 3 DAYS. AND IT WAS. WHEN ICALLED COMENITY BANK TO GET THE ONE LATE FEE AND FINANCE CHARGE REMOVED SUPVSR XXXX REFUSED SAYING SHE DIDNT CARE WHETHER IT WAS WOMAN WITHINS FAULT OR NOT, THEY ONLY GIVE 1 CREDIT FOR A LATE FEE IN 18 MONTHS AND THAT I HAD TO PAY IT. NOW THERE IS A SECOND LATE FEE AND MORE FINANCE CHARGES ON A BOGUS CHARGE THAT WAS REMOVED FROM A CREDIT CARD THAT I DIDNT APPROVE THAT THIS COMENITY BANK IS REFUSING TO REMOVE. SO I NOWHAVE A LATE FEE + finance charge on a late fee and finance charge on. I am a XXXX XXXX and I feel like thi company has taken advantage of me over and over since this has all started. I feel like this has been a big game to them, promising to take the charge off month after month, and they lied. Its XXXX abuse, flat out.
Company Response:
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Hello, I received a call From XXXX services recovery that stated that charges were being brought for a Credit card fraud for a XXXX unpaid debt that is well over XXXX years old and had been charged off since XXXX. The telephone number given to me is XXXX. The file number given to me is XXXX and the date the account was opened ( according to her ) was XX/XX/XXXX and according to her charged off XX/XX/XXXX. I am aware that this practice is illegal and that the debt is no longer valid. I received a second call with a return telephone number of XXXX.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX Account Number XXXX I the consumer entered into a consumer credit transaction with Victoria Secret on or around XX/XX/2017. I entered this transaction using my open end credit plan. I have been injured by the deceitful misrepresentation of Victoria Secret. I wrote into Victoria Secret a validation of debt. I did not receive the 5 required items according to congress when a validation of an alleged debt is requested. Furthermore, Victoria Secret has sold this account and has another company ADS with my personal information now alleging that I am in debt with them. As a consumer my consumer rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with Federal grand jury or in written instructions, by myself the consumer which I have not. I am prepared to pursue legal action against this third party collection agency if my information is not immediately removed from all three credit reporting agencies. Both Victoria Secret and ADS have committed fraud and several violations of the FDCPA and TILA. ADS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: As a consumer has the right to request validation of debt pursuant to 15 USC 1692g. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices, Act, 15 USC 1692g stating that your claim is disputed and validation is requested. This is not a proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evident that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitute fraud under both Federal and State Laws. Please provide proper documentation as requested int he following declaration. Pursuant to 15 USC I am notifying you that I refuse to pay this alleged debt and I am demanding that you cease and desist communication with me through any and all mediums.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A