Date Received: 2021-10-27
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: XXXX XXXX card was charged for {$2200.00} which i did not authorize. Filed a dispute with Comenity capital bank. Explained the situation and the charge is still on the card. Refiled comllaint and made min. Payment to keep my credit clean.
Company Response:
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. On XX/XX/XXXX, I received a response from XXXX XXXX regarding my request for debt verification. Within the response from XXXX XXXX it provided a letter from " Comenity Bank '', the alleged original debtor '', that " XXXX XXXX, XXXX. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " Comenity Bank '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information. In addition to the letter from the alleged original creditor, XXXX XXXX XXXX, also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that XXXX XXXX does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that XXXX XXXX created the letter aforementioned on their own behalf. I investigated a " Commenity Bank '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " Comenity Direct Bank '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that XXXX XXXX XXXX. consider this complaint and agree to the fair resolution requested.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
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: I ordered clothing in XXXX. The clothing showed as delivered but I did not receive it. I notified the company. I also notified the credit card agency that I never received my order. I was told first that I needed to fill out an affidavit, which I did. Then I was told I needed a police report, which I went and filed. I was given a credit for the items. I sent copies of both of these items to both companies ( XXXX XXXX XXXX and Commenity Bank. ) They then claimed the affidavit was not signed, which it was. They then charged my card again and added fees with no explanation or request for more information. I should not have to pay for something I never received
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: NJ
Zip: 07201
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
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: Several years ago I purchased a vanity with my Wayfair credit card. Wayfair became hostile toward me after they delivered a damaged marble vanity and I asked that it be replaced. After sending me another damaged vanity and much effort to resolve the issue, they threatened me that I was no longer welcome to buy from them. Wayfair continued to bombard me with email solicitations to buy from them and junk mail. They even sent me an updated Commity (? sp ) credit card which I did not use that replaced the old Wayfair credit card. Recently I purchased several items for my home from Wayfair on my XXXX XXXX Mastercard linked to my personal checking account Note that I did not use the Wayfair credit card. Note that Wayfair will say they don't keep a record of the card I used so that's why I include the picture of the item showing I purchased even though they scrubbed my account history and won't let me access it So Wayfair immediately debited my credit card for the purchases and sent me emails that the purchases were on the way but then the items didnt arriveand when I contacted the delivery agentthe delivery agent said that they were not delaying the items I tried to contact Wayfair and then when I logged onto my account on the Wayfair website, weeks later I see that Wayfair cancelled two of my orders without notifying me and without my consent. One order was for several small throw rugs ( see attached cancelled orders ) that thankfully were on sale at XXXX where I purchased them but I was very annoyed. The second item was a double-sided barn door latch, which I really needed and was beyond annoyed when I discovered the little trick Wayfair had pulled by again sending me updates that the item was on its way, etc., etc, but then weeks later they went into my account and cancelled the order. ( I purchased the barn door latch from XXXX as well. ), The third item, a doormat I ordered ( see attached ), I waited, and received no notices except ... of course, it was also delayed. Then when I tried to figure out what was going on I was blocked from using the online chat bot to resolve the issue, and next I tried to contact the customer service by phone and got a run around as to why the item was delayed. So I assumed, as anyone would, they were going to cancel this item to without my knowledge or consent after they delayed the shipping for a few weeks like they did to waste my time with the two previous orders ( all ordered around the same day ). So I ordered the doormat on XXXX. Then, on XX/XX/XXXX, I get this obnoxiously inappropriate nasty email from Wayfair that it would no longer do business with me because I was dissatisfied with the resolution of the two damaged vanities they tried to dump on me. After I received my XXXX purchase, lo and behold, what shows up but the identical item from Wayfair! But wait, didnt Wayfair tell me that they weren't doing business with me? So now I have two door mats and being a XXXX senior citizen on social security I don't have two front doors or the money to spend on two doormats. So I tried many times and many ways to contact Wayfair, but instead of behaving like a straightforward company would do, they played cat and mouse with me, putting me on hold, circumventing my calls all around, having the chat robot send me in loops on line, dead ending my requests for a return label and telling me I needed to contact them at a special number. Finally when I used the special instructions I get this agent, XXXX, who put me on hold for at least fifteen minutes and then berated me in a nasty unprofessional way telling me that Wayfair had permanently severed ties -- exact quote with me -- and therefore I couldnt return the item as I was persona not grata. But wait, theres more. After Wayfair informed me that it had permanently severed ties with me, Wayfair had the audacity to sent me an unsolicited email asking me to rate XXXX service! Seriously? How about less than a XXXX and a bar of soap to wash out her mouth? As if that wasnt enough, Wayfair continued to send me sales solicitations and emails and flyers. Didnt these unprofessional nasty people tell me that I couldnt buy from them? Were not our ties permanently severed? When I went onto the website under my account, not so clever Wayfair had deleted my purchase history ( as I am person non grata ) but thankfully I had taken screen shots of the rugs they unilaterally cancelled and the barn door they also unilaterally cancelled and a few of their other unsolicited and unwanted emails intrusions which I attach as proof of the disgusting way they treated me and handled my purchases that should NEVER happen to anyone let alone be orchestrated purposefully to screw around with a buyer. STAY AWAY FROM WAYFAIR. XXXX HAS THE SAME MERCHANDISE AND WOULD NEVER TREAT PEOPLE LIKE WAYFAIR DOES.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the Comenity Bank/XXXX Mastercard . My application was denied due to a freeze on my credit account. None of my credit bureau accounts are frozen, and I double checked this as well. This is not a legitimate denial. I proceeded to call Comenity Bank, and after being transferred several times, I reached the proper credit review department and they asked for my reference number. I didn't have the document anymore with the reference number, and so they told me they couldn't help me. Now I have a credit inquiry on my credit report that is incorrect, as well as a denial that I can not properly confirm to be accurate.
Company Response:
State: PA
Zip: 17901
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from Comenity for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from Comenity see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud
Company Response:
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity bank is showing me 30 days late, however, I paid my card off in full. I got a bill from them more than a month later showing me late for {$14.00} and a late charge. I called them to find out how I could be late when I had paid my account off. They told me that I was charged a finance fee AFTER I had paid my account off. I had no knowledge of this fee so could not possibly pay it within 30 days. The person I spoke with reversed all of the charges and fees at which time I closed my account. I do not want to be in business with shady dealings such as charging fees after an account is paid off.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: worked out agreement with collection agency that was servicing the loan for XXXX which is XXXXXXXX XXXX XXXXXXXX the party for XXXX XXXXXXXX XXXX XXXXXXXX promised to not only remove and delete the file put also stated the original credtor would remove from credit reporting i dipputed this XXXX XXXX XXXX updated the balance and failed to remove the debt
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: COMENITYCAPITAL/CART at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX did not help me in the time of need. I returned the product back to the store and was told I would get refunded the money back to my credit card. I've called them to ask if they could remove the late payments because it wasn't my fault. Every time I call someone tell me that they can not remove the late payments. Its not my fault, this is wrong and unfortunately its stopping me from getting a home for my kids & I.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A