Date Received: 2021-10-09
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 was charged XXXX a month for XXXX XXXX Subscription on my ALL rewards credit card for a year & a half. When I realized these {$9.00} kept appearing each month, I called Comenity. They filed a claim with their fraud dept & said they would stop any further charges from XXXX. Charges continued to appear each month. I canceled credit card & they issued a replacement. Charges continued on new credit card. I was charged a late fee when I refused to pay statement. Comenity then informed me their fraud dept had ruled since I paid the XXXX each month I in fact was saying these charges were legitimate. I contacted XXXX ( letter attached ) & after several weeks of investigating, they located the account that the unauthorized charges stem from. XXXX said since I did not sign up for this subscription & I do not recognize the account, they said to go back to Comenity & file for a chargeback. I did this. Comenity said they did two separate fraud investigations on this ( obviously not checking with XXXX ) & they are standing by their original decision. The total amount of the refund I feel I am owed is XXXX.
Company Response:
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2020, Comenity Bank ended their credit card program abruptly during a critical time in the formation of the Covid-19 Epidemic. As a direct result of Comenity 's closing of accounts in good standing, like this, an avalanche effect destroying this consumer 's credit worthiness ensued. Credit scores plummeted and additional punitive actions were taken by other credit issuing banks including XXXX, XXXX XXXX XXXX, and most importantly, XXXX XXXX who made exaggerated efforts to communicate account durability to network partners while fraudulently enrolling clients in relief programs designed to amplify their financial crisis. XXXX XXXX XXXX XXXX and its subsidearies XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX. used the information they received from Comenity to cause the decision to initiate theft of securites and stock from investment accounts and offer temporary credit lines that were designed to never be made permanent as a result of the damage to the credit report and scores caused by Comenity.
Company Response:
State: CA
Zip: 90041
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: CA
Zip: 92225
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account is being reported with repetitive XXXX marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Wayfair credit card ( Comenity bank ) incorrectly report my account delinquent when its not.I have contacted them, promised to update my credit report as current.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: It says comenity bank on the caller ID they call after hours and call continuously. I do not owe a debt. The last time I answered I call like this I was fooled and they got my info. Please help
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am a XXXX XXXX worker, and work at XXXX XXXX. During Covid, I was marked late for XX/XX/XXXX, for my Comenity and Express cards Comenity Bank Express card : XXXX and Victoria Secret Card : XXXX. I had over $ XXXX in my checking account to make the payments on these, however I came down with XXXX and the rest of my family was XXXX as well. I was in no mental and physical shape to attend to my mail. I was sure that I had made a payment online, but apparently Comenity claims nothing was received. After finding out I was marked late checked the Comenitys website which said I would only be marked late if payments werent received for 60 days, however I was still marked late despite not being 60 days late. I am trying to apply for a mortgage and these late payments have destroyed my chances. Im a loyal and happy Comenity customer, Ive read Comenity has made adjustments for people affected by Covid and I hope that Comenity can remove the XX/XX/XXXX, late payments off BOTH my accounts, given that Im a XXXX XXXX. Accounts information : Account information number 1 : Account name : COMENITY BANK/EXPRESS Account number : XXXX Balance : {$83.00} Date opened : XX/XX/XXXX Account status : Open Account information number 2 : Account name : COMENITYBANK/VICTORIA Account number : XXXX Balance : {$1500.00} Date opened : XXXX XXXX, XXXX Account status : Open Please see attached my XXXX XXXX ID. Solution : remove XXXX late payments XXXX from my accounts.
Company Response:
State: CA
Zip: 94555
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with Express. This debt has been purchased by XXXX XXXX XXXX. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a collection call from Comenity Bank/XXXX demanding that I pay a past due balance on a credit card. I have no such credit account. I checked my credit report and found that there is a Comenity Bank/XXXX credit card opened in my name on XX/XX/2021, and which was charged to the limit immediately thereafter ( {$3200.00} ). I have never applied for this card, nor have I charged on it. I reported this to XXXX, and advised Comenity Bank of this. Comenity has not responded.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: during covid 2020 I contacted the credit card company to ask for a reduced monthly payment because i lost my job. The person whom I spoke to refuse to work with me and told me that they would close the card and it would impact my credit. I begged them to just take the payment i was offering until I got back on my feet and the representative flat out declined. A few days later the card was closed by the creditor and my credit was impacted.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A