Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2023, XXXX charged me a late fee of {$30.00} and again in XX/XX/2023 for {$37.00}. I repeatedly asked for an electronic address for payments and they did not provide. My payments were mailed from my bank account at least two weeks prior to the due date. Frequently, I received no statement or a statement that arrived within a week of the due date. Their billing practices are the worst I have ever experienced. I called customer service and was told the fees would be waived. I called every month to complain that they were not removed and was told it could take two billing cycles. My promotion ended XX/XX/2023 and the fees remained. I made my final payment on XX/XX/2023. The fees were finally removed on XX/XX/2023, however the promotion ended and they are now charging me additional late fees and interest that would never have appeared had they waived the fees six months prior. I have talked to customer service and supervisors that don't understand what had been done. I opened a dispute and wrote a letter. All being ignored. My most recent statement shows a balance of {$330.00} which is all based on the fees that they never removed until after the promotion.
Company Response:
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Jared 's credit card through Comenity bank is predatory. They didn't disclose fees and such, and also couldn't explain the math that didn't add up. Regardless, I paid off the account in full and then requested the account closed. I have requested it closed several times and the bank claims it is. However, I keep getting statements on the account and have been charged interest on a {$0.00} balance once. They refunded the {$3.00} and now my 'closed ' account sits at - {$3.00} ( they owe me ), but I continue to get emails and notifications of statement balances and such. I need the government to step in. Comenity is a predatory credit company and lies. I can not get my account closed and would like to sever ties with them permanently.
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I made a payment to Comenity Bank - XXXX Rewards Credit Card ( " Comenity '' ) using online bill pay from my personal checking account with XXXX XXXX XXXX XXXX ( " XXXX '' ). After receiving a late notice on XX/XX/XXXX, I immediately called Comenity Bank and was told to give additional time for the payment to be processed. I followed up on XX/XX/XXXX and a Comenity representative stated the check had not been received and that any payment made would be considered late, as a new billing cycle had already begun. The representative said if I paid now, I could request that my bank issue a stop payment on the check that was lost. I immediately paid the account in full on the phone with the representative who withdrew the late fees and interest charge. I also closed the account, as it was apparent I needed to mitigate my risks with this creditor who lost my payment. On XX/XX/XXXX, I received a statement in the amount of {$31.00} for a " returned check charge. '' Comenity found the check they lost and attempted to cash it. However, since a stop-pay was issued by XXXX, Comenity was unable to cash the check and charged me on XX/XX/XXXX, which is seven ( 7 ) days after I paid the account in full and closed the account- only because they lost my payment. I contacted Comenity on XX/XX/XXXX and spoke with two representatives, including a supervisor, and Comenity said they are pursuing the charge and will not credit the account. On XX/XX/XXXX, I was not told by the Comenity representative that if they found the check, they would charge me a returned check fee. Comenity 's attempt to collect a returned check fee from me is fraudulent and I should not be charged for this whatsoever.
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I previously paid off balance of {$2200.00} and was told by XXXX of Comenity BankXXXX XXXX XXXX XX/XX/XXXX that I owed no more money and my account was at XXXX, and I asked that my account be closed out. Today I received notice that I now owed {$40.00} in interest charges. I had a hard time again getting through to a live person at Comenity Bank but was able finally to speak to XXXX earlier today. XXXX said XXXX was not able to see the charge of {$40.00} on the screen. How come? Is this going to keep happening? XXXX then put the payment through using my checking account and said he is not charging me the {$9.00} fee. XXXX said today that once that payment of {$40.00} goes through in 48 hours, my account will be at XXXX, and there will be no more finance or interest charges. I asked him for a letter in this regard, and he said he will be sending me one. I reiterated that once the {$40.00} goes through my bank, there will be no more finance or interest or other charges, and XXXX confirmed this. I am filing this complaint to be sure that is the case.
Company Response:
State: IL
Zip: 60174
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently checked my credit report and seen multiple items with incorrect information on it. XXXXXXXX XXXX Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate. Now there are XXXX more accounts with XXXX that is not accurate XXXX XXXX XXXX Acct # XXXX Comenity bank/XXXX Acct # XXXX XXXX on XXXX shows XXXX payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine. Comenitybank/XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXXAlong with the address on file not being mine.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Upon checking my XXXX XXXX account this afternoon XX/XX/23, I saw that I was charged a {$30.00} late fee even though I sent a {$30.00} payment on XX/XX/23 which was before the due date of XX/XX/23 but it was not posted to my account until XX/XX/23. I have attached proof of payment below When I called their customer service XXXX have attached proof of payment below center, the rep and two supervisors told me that they will not reverse the charge because they already reversed one late fee and that I am only allowed one late fee reversal every 18 months. I was also told that the payment was posted late because they have thousands of payments to process and that it is impossible to process all of them on the date they receive them.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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 XXXX 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: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/, I contacted card issuer requesting more information on XXXX unrecognized transactions on my card totaling an excess of {$5000.00} dated XXXX and XXXX It has been 10 days since my original contact and card issuer has failed to explain or provide any additional information whatsoever about the transactions. Furthermore : XXXX. My credit limit was already maxed out before these unrecognized transactions were made. However after the transactions, my credit limit seems to have grown to automatically accommodate the fraudulent charges, which were not authorized. XXXX. I have failed to reach the credit issuer company at the provided phone number of XXXX. Calling said number results in an out-of-office message. XXXX. Card issuer has still not blocked my card or taken customary account protection steps. I have enclosed the full chat history with card issuer, where only have I been able to reach them.
Company Response:
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received multiple calls from this and another number. They don't say anything when I answer or leave any message when I don't. I searched the numbers online and they come up as Comenity bank. I am current on my accounts and do not know why they call. At this point it feels like harrassment since they are calling at least twice a day.
Company Response:
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Two check were issued, both " lost. Put stop payment on both check at one point. Stop payment was reversed on check # XXXX dated XX/XX/23 - which cleared my bank on XX/XX/23. Check # XXXX was attempted to cash on XX/XX/23, but was returned due to a stop payment that was put on for good measure on XX/XX/23 since they had already cashed the first check. There are no funds that were returned to my account after they were taken out. All proof has been submitted several times. And I keep getting a response that the funds were returned.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A