Date Received: 2021-12-03
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: Since late XXXX I have been disputing XXXX orders on my New York and Company department store credit card issued through Comenity bank. I reached out to NY & C in XX/XX/XXXX a month after below items were returned to their facilities. Upon speaking with the NY & C rep he indicated the returns were not in their system. However, I used a preprinted label provided by NY & C and I received a system generated email from NY & C indicating the items were in transit and I could expect to see a refund in XXXX days. Well due to XXXX I gave additional time before calling NY & C back regarding the refund to my card. Upon calling XXXX was later the same issue existed wherein there was no record of the orders being returned. Please know, I ordered and returned an item since then and had no issues in receiving a refund. Tracking shows the package for the disputed items was received at their facilities. So the package was apparently lost after receipt to NY & C facilities. At this point I reached out to Comenity to dispute the orders since it was obvious the package was lost by the merchant after receipt on their end. Communicating with Comenity has been a nightmare. I logged into my account and disputed the orders approx. XXXX times per their procedure and each time they would indicate for me to call them to file a dispute or they would address other aspects of the message. It was indicated in a few Comenity messages that disputes must be submitted in writing, so I continued to attempt to file the dispute through their secure message center. After nearly XXXX days of dealing with various responses from Comenity when trying to submit my dispute in writing I broke down and called Comenity to file my dispute over the phone. Unfortunately Comenity does not issue case or reference numbers, but rather a letter ( via US Mail only ) acknowledging the dispute. As of this complaint to CFPB I have only received a partial provisional credit for items purchased in XXXX and returned in XXXX, within their return window. When attempting to get a status from Comenity Ive been told it takes XXXX days apparently before I can get any status update -how absurd in XXXX. When checking my card statements I see that Comenity has done something i consider unethical, because they have retroactively updated previously issued card statements to make it look as if the provisional credits were issued back in XXXX and XXXX when Im fast they were not issued until XXXX. Please can you help me resolve this issue as it has been XXXX dealing with this and I have cancelled all of my credit cards issued by Comenityat least XXXX. Ive been a NY & C/Comenity card holder for XXXX years and I have never experienced this when returning items, this is the last active Comenity issued card and Id like to close it ASAP but I can not until this disputed items issue has been resolved. Disputed amount {$500.00} Disputed Transaction details : # XXXX {$300.00} PURCHASED on XX/XX/XXXX. # XXXX {$86.00} PURCHASED on XX/XX/XXXX. # XXXX {$110.00} PURCHASED on All items were returned in one box and each order was in a separate bag with order details enclosed for each returned order. Over the past XXXX yrs Ive always returned multiple orders in XXXX boxes using their labels -which by the way cost me {$7.00} per return which is deducted from the order refund. I can screen shot the secure message communications between Comenity and myself and I have the names of the person I spoke with at NY & C as well as the Comenity bank representative who submitted my disputes. I can send all info via email.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank calls me every day about settling a debt that is less than {$5000.00}. The calls are after XXXX XXXX but they also have been calling on XXXX before XXXX XXXX in violation of the FDCPA. I wish to report them for this practice.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Company Response:
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Commenity bank calls my phone all day everyday filling up my voice-mail with the same spam message. I'm sick of them calling non stop!
Company Response:
State: WI
Zip: 54220
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have attempted to contact each company to validate the inquiry. NO response was recieved. I have an inquiry from XXXX XXXX on XX/XX/XXXX, overstock XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX
Company Response:
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a dispute with Lane Bryant credit card. I ordered 2 items that were never picked up from the store, so I canceled them. I was still billed for them and expected to pay even after I explained the situation to the rep. So I paid what I was supposed to pay and took off the price of those 2 items. The next month, I was still charged for those items and also charged a late fee. I refused to pay it and now it has been several months later and my bill is now XXXX. No one at the company could rectify the situation or explain to me how and why I was still being charged fees for canceled items when my bill should have been at 0.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX charged me late fees and interest on payments I made in plenty of time. I overpaid {$98.00} on XX/XX/2021. I WASNT LATE IN SENDING BUT THEY CLAIM MY PAYMENT IS 1 to 2 DAYS LATE AND THEN CHARGE ME LATE FEES AND INTEREST CHARGE AND FINANCE CHARGE. LATE FEE XXXX. {$29.00} XXXX {$31.00} XXXX. {$38.00} XXXX. {$38.00} INTEREST CHARGE XXXX. {$2.00} XXXX. {$2.00} XXXX. {$2.00} FINANCE CHARGE {$2.00} I WAS CHARGED ALL THESE FEES WHEN I PAID ON TIME BUT THEY DIDNT RECORD UNTIL PAST DUE DATE. I overpaid {$98.00} They paid me back {$94.00} They owe me all the fees above and {$3.00} that I overpaid. TOTAL OWED TO ME {$140.00} THEY HAVE CLOSED THIS CASE AND I BELIEVE THEY OWE ME THE ABOVE.
Company Response:
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account does not belong to me. Please remove the negative items as soon as possible, because it is hurting my credit. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX I submitted documentation in the form of Affidavit of Truth, Cease & Desist along with an invoice citing numerous violations under FDCPA pursuant to 15 USC 1692g ( b ) amongst other consumer law violations by Comenity/Victoria 's Secret as they are reporting information on my consumer files. In return I received a notice back from Comenity/Victoria 's Secret around XX/XX/2021 in in the mail. On the notice it appears the credit card account ending number isn't even the same as what was on the other documents received. Comenity/Victoria 's Secret advised that they sold this alleged debt to collection agency ( XXXX XXXX XXXX XXXX XXXX After reaching back out to XXXX XXXX XXXX and providing documentation on how my Consumer rights were violated and receiving a notice in the mail from them advising that somehow after reviewing their records as again as they stated had already did initially when I sent them a validation request and it wasn't provided. They ( XXXX XXXX XXXX ) sent a notice in the mail around XX/XX/2021 stating the current balance is {$0.00}, the account was closed and collections have ceased. XXXX XXXX XXXX also advised that they are not the ones furnishing the account information on my Consumer files.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. COMENITY BANK/EXPRESS Account XXXX XXXX Date opened XX/XX/XXXX Account status Open Status updated XX/XX/XXXX Account type Charge Card Payment status Current, was past due 60 days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage 0 % Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A