Date Received: 2021-09-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had charged a number of items and returned one of them. As the credit was not on my XXXX statement I attempted to calculate what was owed and paid that. Due to my miscalculation, I was XXXX XXXX off. On my next statement, I was charged {$32.00} in fees for having a XXXX balance. I tried to call but could not get through so I wrote a letter. Instead of refunding the fee, on my next statement, I was charged an additional {$32.00}. I called and this time was able to speak to a person who said they would only refund one of the late fees.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
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: WAYFAIR MUST UPDATE MY NEW ADDRESS ON THE CARD AND ALL BUREAUS TO REFLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Original credit company, Comenity Capital bank XXXX New York & Company credit card ), charged off account that was later sold to XXXX XXXX XXXX. Both were on my credit report. When I called to pay/settle the account I was told I couldn't pay to Comenity but only can pay XXXXXX/XX/XXXX. So I settled for XXXX on XX/XX//21. I tried to dispute with comenity capital bank but they wouldn't handle it and told me it wasn't there responsibility any longer because they sold it to XXXX XXXX. XXXX has updated the file but Comenity Capital Bank is still reporting the same account as a charge off. I then disputed with XXXX, XXXX and XX/XX/XXXX along with copies show proof but they only updated XXXX and all will not update to paid/settled for Comenity Capital Bank XXXX Even though the letter clearly references that the original creditor is Comenity Capital Bank. I am filing a complete because I need Comenity bank and credit bureaus to update my status to settled and not charge off with zero balance. Your assistance is greatly appreciated. Thank you in advance
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2021, my identify was stolen and several fraudulent accounts were opened with my social security number at the local mall. I was alerted to a XXXX credit applications by my credit monitoring company, and then subsequently learned of XXXX, XXXX XXXX, and XXXX XXXX. I was not alerted to the XXXX XXXX account, held by Comenity, until I received the statement in the mail. I received the statement on XX/XX/2021 indicating a charge of {$3800.00} on XX/XX/2021. I immediately called the fraud line, talked with XXXX, ID XXXX who initated the fraud alert. Case # XXXX XXXX. I filed a fraud report with the 3 credit reporting agencies and have had a credit freeze with all 3 credit reporting agencies since XX/XX/2021. I filed a police report for the XXXX XXXX charge as well. I called for a status update on XX/XX/2021 and was told the investigation was ongoing. I verified my credit XX/XX/XXXX to find the charge to have been removed. Dated XX/XX/2021, I received a letter from the Account Protection Team deeming my fraud dispute wrong, and reinstating the balance and payment dates. This is wholly inaccurate and I will continue to pursue.
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DEBT COLLECTOR IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE XXXX- I AM THE EXECUTOR XXXX XXXX XXXX ( XXXX ) Comenity Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX they are reporting a collection account on my consumer report - Account # XXXX. Comenity Bank is reporting that I do not owe them a past due balance? Yet they are on my consumer report giving the impression that I owe them. They also state that they sold my account to a third party. Firstly, I did not authorize them to sell the account to any third party, that is violation of my right to privacy according to the FDCPA and a violation of my right to be secure in my papers according to my 4th Amendment right. Secondly, they sold the account, I no longer owe them anything. In fact, I never owed them anything. I participated in a consumer credit transaction with you and extended YOU credit, and you took advantage of me by making me believe that you lended me your own assets when in reality you lended me my own federally protect money that is backed by my credit card ( social security number ) and the United States of America, according to 18 USC 8. Yet they are falsely stating that I owe them, that is a violation of 15 USC 1692e ( 8 ) and 15 USC 1692j. They are committing Aggravated Identity Theft against me pursuant to 18 USC 1028, they are unlawfully transferring my authentication feature electronically to unauthorized third parties. They are also conspiring against my rights with the Consumer Reporting Agencies and this third party that they sold my debt to, according to 18 USC 241. This debt collector is violating a number of my federally protect consumer rights. I have included several violations that you, Comenity Bank, owe me in my Bill of Particulars.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I was notified by Comenity Bank, they had closed my XXXX Credit Card with a claim of inactivity. They never sent a warning ahead of time, nor any indication of this occurring. I last used the card XX/XX/XXXX, and paid off my balance in full by XX/XX/XXXX. I questioned the company on the why, they claimed inactivity as the reason, then I was told it was information obtained from the credit bureaus was the reason for closure. They informed me in a reply that I could obtain the information for this in order to understand their reason, from the credit bureaus, I did contact and the credit bureau 's said that Comenity had not inquired about my credit as they claimed. Comenity then responded and in the correspondence, they also changed the date of the closure to XX/XX/XXXX, which is not the same date on their initial letter sent to me, they also did not clarify the reason for closing my card other than inactivity, when I questioned due to the fact I had used it less than 12 months ago.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: When I first applied for a Victoria Secret Card I was turned down. Although I saw other people being approved. I finally received my card, after initiating a call to the Service Center, and verifying questions from my Credit Report. This was the first of many issues I have had with the Service Department of Comenity Bank. Recently I requested an additional card for my daughter. Instead, I received a letter from Comenity Bank indicating the process was delayed because they were not able to reach me with the information provided. I called Comenity Bank, explained the situation, and was told I would be transferred to the Service Department Supervisor ( as I was when the account was first approved ), but instead I was transferred to Fraud Prevention. The Agent answering in Fraud Prevention indicated it was unusual that I would be transferred to Fraud. She indicated my scenario was common and could have ( should have ) been handled by the Service Department Supervisor. She suggested that she transfer me back to the Service Department Supervisor, with a soft hand off, informing the Service Department of their error. I waited 30-45 minutes for someone to pick up. No one ever did. I tried to sign on to my online account, so that I could write the Service Department. But my password ( although verified and saved ) was not recognized. I went through the formality of changing my password ( to the same password I previously assigned ). I left a detail secured message. I received a rude, unprofessional response from the Service Supervisor, who never addressed the service failures. In my secured message, I requested a call from a Supervisor, and to be sure I recognized the call number, I requested the number from which to expect a call. I have yet, to not only receive a call back, but even a response to my secured message. Today I tried to sign into my online account, and YES. Once again, my password could not be recognized. This is ridiculous. Enough is enough. I hasten to believe that all customers are treated with such disparate treatment.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This relates to an XXXX XXXX card. I called in and spoke with a customer service representative to payoff the balance on my credit card. He paid the balance in full. I thought that the balance would be XXXX and the last statement I received would reflect a XXXX balance. I received a statement but didn't open it as I had paid the balance in full. I later opened the statement and it showed a minimum interest fee of {$2.00} owing. I called XXXX to determine why this would be, while going through the queues I was informed my account was in collections. The representative told me the {$2.00} balance was interest owing ( even though the statement shows a fee charged of {$2.00} for a minimum interest charge ). She indicated the balance is now {$14.00}. I asked what for and she indicated fees and interest. I asked her interest on what and she said the balance ( which is fees and interest and to my knowledge you can't charge interest on fees or capitalize on current interest ). I told her they can't charge interest on fees and she indicated that yes, they could. I asked to speak with her manager. After she spoke with her manager, she came back on the line and told me they would waive the interest this time. They indicated the account would reflect a XXXX balance and I asked them to close the account. I am concerned about this having reflected negatively on my credit report. I also am concerned that they are operating with deceptive practices. When someone calls to pay off the balance on their credit card, they should expect that the full balance and interest to that date will be paid. They should not continue to be charged a minimum interest charge fee or be charged interest on interest and fees.
Company Response:
State: WI
Zip: 53593
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I do not have a card with Comenity or owe them any debt. I am also on the Do Not Call List. This number is calling repeatedly and sometimes leaving messages. XXXX this number reveals many similar stories and stories of the person on the other end not believing that you are not the person they are trying to reach. Attached is a screenshot showing their repeated calls.
Company Response:
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A