Date Received: 2021-09-14
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 have given this organization over two months to resolve the charge on my account of {$47.00} for merchandise not received said to have shipped on XX/XX/2021. I have place numerous calls to the Credit department to have the charged removed from my bill and also complained to the order department directly. I have exhausted getting a resolve through their customer service representatives and supervisors. No one has made an effort to to fix this error.
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened at XXXX credit card with Comenity Bank. I made a purchase in XX/XX/XXXX for {$490.00}. I did not get my statements or credit card and I called XXXX on XX/XX/XXXX. The business representative mentioned that a late fee of {$29.00} dlls was added to my balance due to I did not make the first payment on time which should have been on XX/XX/XXXX. He mentioned that as a one time courtesy they will waive the {$29.00} dlls. I said great, and I paid in full my balance of {$490.00}. After that date, I thought everything was resolved, however on XX/XX/XXXX I checked my XXXX XXXX score where I noticed that there was a balance of {$76.00} shown in my report under Comenity/XXXX credit card. I went back to my statements and I found one where the XXXX dlls was not waived and I did not have any credit. As a result, XXXX dlls become {$76.00}. I called them and after 1 hour in the phone, they told me that the waive was not done and another late fee of {$40.00} was added to the {$76.00}, but as a courtesy again they can waive and give a credit if i make the payment of {$76.00}. I made the payment and i will be looking for the next statements to make sure they really waive this time the late fee. Horrible experience.
Company Response:
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was approved for an XXXX XXXX XXXX credit card on XX/XX/XXXX. On that day I made the one and only purchase in the amount of approximately {$180.00}. On XX/XX/XXXX I made a payment in the amount of {$90.00} by check # XXXX. On XX/XX/XXXX I paid the balance in full of {$130.00} by debit card payment. This amount included a late fee of {$38.00}. This was to pay my account off and I also requested to close the account. I then received a statement for an additional late fee. I spoke to XXXX in XXXX and she informed me because the payment in full was late by 3 days, I was responsible for that late fee. I informed her that I had paid the account in full and requested to close the account. The account, to this date, has not been closed out and now I am being billed {$330.00} in late fees and interest charges. I have not been able to get this issue resolved with Comenity Capitol Bank. They have also reported negatively on my credit report. I am asking for some assistance in resolving this issue. I do not feel I should be responsible for the amount they are charging me. Any assistance would be greatly appreciated.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off Wayfair in XXXX of XXXX. I received a bill in XXXX of XXXX for fees because the last payment was a day late. Those fees were dropped. I may have gotten a bill in XXXX but ignored it because the debt was paid off. I got another bill in XXXX and thought is was a hoax so I emailed XXXX XXXX XXXX on XX/XX/XXXX. I also called and was told, once again, the fees were dropped. I just received another statement from them. Once I contact them, they speak to a Supervisor and the charges are dropped. Since XXXX I've gotten a monthly text/email from Comenity/Wayfair. I called the number on a text I received on XX/XX/2021 and was told again that the charge was cleared on my account and that I would received an email confirmation. Instead, I got a monthly statement.
Company Response:
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a card from XXXX thru Comenity Bank that I did not apply for. Within days, I received a letter stating that there were " potential security concerns ... ''. Because this is the SECOND issue of this nature with cards being issued fraudulantly in my name, I want this account closed.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Last year at the start of the Pandemic we were placed on shelter in my State. That was in XX/XX/2020. I immediately called my credit card companies and submitted financial hardship. Everyone was happy to extend my payments out by a few months except Victorias Secret and XXXX. I was told that they had no such forbearance in place. This caused me to be late 30 days and reported in XXXX as a late payment. I have never been late in my account. I have already written letters to remove my late payment since it was covid related and I was denied.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
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: Last year I enrolled with XXXX to help settle my debt. Before they dropped me ( financial issues ) they had settled a few debts one of which was XXXX XXXX XXXX XXXX visa aka XXXX XXXX XXXX They paid all but one payment of the settlement before returning my money back to me from my account they had. I don't know why they didn't make this final payment. However when I found out they didn't I paid the final amount plus some. Since then they have continued to bill me and give me negative marks on my credit report. I have tried going through XXXX and the company about it and have gotten no where. It's like the company is pretending they never made a settlement while continuing to hurt my credit.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account is reporting multiple inaccuracies and violations of my consumer rights. I have disputed this with the bureaus and the creditor, both of which have failed to remove or correct any of this information. Creditor has also failed to mark this account as disputed and is reporting a derogatory/collection status which is inaccurate, this account should reflect as " PAID AS AGREED ''.
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have written letters over the years in regards to this account. I have never lived in the state of Georgia. This account was opened when I was barely 18 and credit was not even a thought. I am also a XXXX male who would not have any interest in obtaining a Victoria Secrets card. Someone has opened two accounts in my name I sent a new letter and identity theft affidavit back on XX/XX/2021 and the item finally got removed Comenity Bank then illegally re-inserted the account back on my credit report afterwards. I have no idea how this account was opened however it's caused a tremendous amount of harm to my credit scores. I went to XXXX Police Department and they stated that I would need to provide additional information for an investigation that leads to an arrest as of today they have not sent me the information requested. This is a serious matter that I would like addressed immediately. Please see attached documents.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I have requested a block & investigation in the following fraudulent information from my credit report. I have no idea how he theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing this due to non-compliance of the companies below and the non-compliance with the CRA XXXX and XXXX. They have failed to remove information that was affiliated with personal details and accounts that was due to identity theft and removed in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. Please remove this information for failing to validate the information, defamation of my name and for improper buying and selling of consumer personal information. XXXX XXXX Account # : XXXX COMENITYBANK/XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A