Date Received: 2021-09-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Company is Comenity.net/easypay I used credit through Wayfair ( not knowing it was Comenity at the time ). They swear they sent me statements, called and emailed but I never received these messages and only occasionally received statements in the mail. In XX/XX/2021 I called and paid off the bill, per their representative what I paid was the payoff. Since then they have been adding interest and late fees which I have paid several times, today being I hope the last. I believe they have milked me for over {$100.00} in late fees and interest on late fees. They refuse to remove the late fees. Today I called after receiving another bill yesterday for {$30.00}. The statement said the balance was {$30.00}. When I called complaining " XXXX, ext XXXX '' said I had residual interest each payment and they were charging the late fee and additional interest. I paid off, again, what she says is the balance which today was {$30.00} ( different than the statement ). So from this I presume that I am being charged $ XXXX/mth late fees on {$0.00} plus {$2.00} interest ( minimum interest ). This is unfair as I called in and paid off the balance in XXXX. I have been paying this each time thinking I am paying off the account and they keep adding more and more interest. I believe they owe me $ XXXXmonth for XXXX, XXXX, XXXX and XXXX with interest at same rate they charge ( {$2.00} monthly minimum charge ). Today, XXXX told me this is industry standard to keep charging clients this way. It is way out of line and I have never had a bank do this to me. I have hit some hard times, especially with COVID, but I pay my true bills.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2021 ComenityXXXX ( FDIC # XXXX ) Restricted access to my saving account since someone is another state tried to access my account. I immediately changed my password. On XX/XX/2021 their fraud department finally cleared my account for me to access it. But " executive management '' still has not lifted the restriction ( XX/XX/2021 ). They are giving me no reason why. I need my money asap to replace my roof and remove trees. Otherwise I may be dropped from my homeowners insurance. I have contacted them multiple times a day and all they tell me is that they are working on it. When asked what else they are working on since their fraud department cleared me, they have no answer for me. They also can't tell me when I can expect access to my money. My daily phone calls have been over an hour because to transfers and long hold times.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RE : XXXX - New pertinent info. On, or about XX/XX/21 I received an email from Comenity Capital Bank stating that they closed and charged-off my XXXX account then sold the fraudulent debt to XXXX XXXX XXXX XXXX XXXX XXXX despite ongoing litigation. On, or about XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX, but the representative I spoke with said, XXXX was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if XXXX does take possession of the account, Im going to name XXXX XXXX XXXX XXXX XXXX as a defendant during litigation as well. On, or about XX/XX/21 I received an email from XXXX XXXX XXXX XXXX XXXX stating that they had purchased the fraudulent XXXX account from Comenity Capital Bank, despite our previous conversation. Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX
Company Response:
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Recent email to XXXX XXXX Comenity Bank Credit Card. I am very upset how you have decided to treat your consumers. I made a large payment of {$310.00} on XX/XX/2021 and you decided to reconsider my payment/credit history on XX/XX/2021 and reduce my credit limit by {$320.00}. Was this a delayed punishment? I have had a good standing and despite the pandemic I have tried to stay afloat with my credit cards. You wait to " punish '' me and my credit as I was in the process of paying this credit card off. This makes me wonder if you are upset that consumers are trying to raise their credit scores and reduce their intertest rates which doesn't pad credit card companies pockets. FRUSTRATING. How dare you take my credit usage from 47.8 % to 94 % instantly. I will be reporting this practice to Consumer Financial Protection Bureau and filing a complaint with BBB. I was logging on to pay my card off, once I do this, I will be closing my account. It's not worth allowing you to control my financial future. I'll take closing this card now then to deal with you. They have reduced my credit limit multiple times. Most recent was after a substantial payment from me and reduced my credit availability and limit substantially. I have been update to date for the past 5 months, and when I wasn't I was in communications with them. 6 months later and when my credit score was actually highest in the past year, they use that and decide to reduce my limit. This becomes a vicious game from credit card companies to keep interest rates high by adversely effecting the score they dare use to evaluate credit worthiness for. This is also the same credit card company that has closed my XXXX account with no notice when the limit was {$1500.00} I owed roughly {$200.00} and was paying on time. I understand they have a " right '' to do this but they are unfairly applying that right and with no notification or valid reasoning until after the fact.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2001 I received a notification from XXXX credit monitoring that comenity bank/Victorias Secret pulled my credit. I did not authorize this to be done. I did not apply for credit with this company.
Company Response:
State: WI
Zip: 53105
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Company Response:
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an account with Comenity Bank Wayfair in XX/XX/XXXX. My payments are due on the XXXX of each month. I submit my payments during the last week of each month prior to my due date. For the XX/XX/XXXX payment, I submitted my payment on XX/XX/XXXX. On XX/XX/XXXX, a late fee credit of {$40.00} was applied to my account. Today, I contacted Comenity Bank to inquire why I was charged a late fee for XXXX 's payment when my payment was not late, and in fact, paid 3 days early. The representative responded that he didn't know why I was charged a late fee. This is very disturbing, despite their correction as an applied credit. Further, I checked my XXXX credit report. Despite having a balance, this is a closed account. It appears that Comenity Bank is reporting an available credit amount of {$1600.00} which is inaccurate and erroneously contributing to the total available credit amount on my credit profile. My Comenity Bank statement shows an available credit of {$0.00}.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed a complaint with CFPB on XXXX about Comenity Bank and XXXX XXXX. CFPB sent me the results of the complaint after the company responded. The company me a letter saying to write them with the account number. How would I know the account number when the account was opened through Identity Theft? I would like this taken off my credit because it is affecting my credit score. The original complaint number is XXXX. Thanl you for your assistance,
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Getting a line of credit
Subissue:
Consumer Complaint: During an " owners workshop '' meeting at a XXXX XXXX in XXXX XXXX, NV, the XXXX sales person opened a Comenity Vacation club credit account in my name without prior discussion or approval. We were unaware of this until after returning home and receiving the bill for {$30000.00} in the mail. Upon calling, I was told that I was past the 10 day limit to recent this purchase. I had struggled for over a year to pay the $ XXXX monthly payment. The card also came with a 20 % interest rate. I was finally able to get Comenity to place me on a hardship program due to loosing my job during the pandemic, which lowered my payments to $ XXXX monthly and 0 interest for 5 years. After many failed attempts ( and over {$20000.00} gone from my savings ) to get XXXX to cancel this membership, I formally began a dispute process with both XXXX and Comenity. I received a letter from Comenity stating that I have successfully completed the special Vacation club credit long term program and my account would remain permanently closed and reflected as paid in full on my credit report. I also received two bills showing a balance of - {$8000.00}. When I called Comenity to inquire about a refund of the balance shown, I was told that the letter w as sent by mistake and that I have a balance of {$21000.00} to be paid on the account. I am still on formal dispute with XXXX for their deceptive, fraudulent, and aggressive sales tactics.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A