Date Received: 2021-09-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2021, I received an email from XXXX implying that I owed a balance of {$86.00} which is due by XX/XX/2021. When I logged into the account to check this inaccuracy I found that I have been being billed a finance charge five days after my billing cycle is complete. For example, in XX/XX/2021 the online portal indicated I had a balance of {$95.00} due XX/XX/2021. I separated this payment into two paying {$35.00} immediately and then scheduled the {$60.00} payment for the balance a few days later. That payment came out on XX/XX/2021. On XX/XX/XXXX, unbeknownst to me, I was charged a finance charge. I was not made aware of these charge, via email, text or mail notification. As a result Comenity applied a {$35.00} late fee to this balance. When contacting them on XX/XX/2021 the first representative reviewed the card history and stated he did in fact find the issue and could see that that {$60.00} payment was received on the XXXX which should have left no balance. He removed the late fee and the finance charge but found that there was an additional late fee applied previously. He stated his manager could take care of this one because he only had authority to remove one late fee. In speaking with two Managers ( XXXX and XXXX ) I was told that the late fee was applied to a balance from XXXX. I explained to them that I have not been receiving any billing communications which is why I logged into the portal myself and made the two XXXX payments. I explained that I recognized that late fees were being applied to finance charges that are being submitted five days after my bill cycle is due and that there should have been a XXXX balance after the {$60.00} payment because I paid in full what the online portal said was the total balance. After doing a review of what she could see on their end and what I could see in my account portal I was able to confirm that there is a clear discrepancy in the reporting. Nothing in my account indicates that I had a balance of {$140.00} in XXXX. XXXX offered a {$10.00} credit and said the total of {$45.00} was the best they could do to resolve this matter. After asking to speak to someone else 9 times, I was transferred to XXXX. XXXX also went through the same review as XXXX, I read to her the dates, balances, payments and finance charges that were in my visible view through the online portal, she confirmed that what we were seeing was different and stated that the home screen should be reporting the correct balance, despite the fact is was not each supervisor refused to remove the frivolous late fee and did not take into consideration the fact they drop the ball on providing invoices or text alerts which I am signed up for. I asked for the card to be closed and I want this balance to be cleared. It is absolutely ridiculous that I have maintained a great credit rating with XXXX XXXX, XXXX and XXXX XXXX only to have a subpar clothing company impact my credit through frivolous practices such as billing for a finance charge outside of the scope of normal use to obtain additional late fees from customers. This practice has to be illegal.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
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: The first credit card was opened for XXXX XXXX XXXX XXXX which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution. The second credit card was by XXXX Comenity Bank which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the XXXX inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status. All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a credit card account with Victoria secret. At the beginning of the year i paid it off and requested to close but it proceeded to charge and also add on additional fees that Ive more than gladly paid for but i shouldnt have to because i tried closing the account. Why am i paying XXXX when i havent use the card in like a year
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I applied for a credit card in the summer of XXXX. I was denied a credit card by Comenity Capital Bank. On XX/XX/XXXX, my attorney wrote a letter to the bank requesting a copy of my entitled credit report and the bank did not give me a copy of my credit report it used to deny me a card
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
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: Step 1 : What is this complaint about? I summited serval request to Comenity Bank to dispute the charges but was denied any resolve or remediation. Dispute return payment and purchase for {$10000.00} ( {$5400.00} return payment and purchase {$5000.00} ) account # XXXX. The purchase occurred on XXXX XXXX 2021 Step 2 : What type of problem are you having? Fraudulent charges to my Credit Card for {$10000.00} Step 3 : What happened? This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/2021 for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by XXXX XXXX XXXX. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under CAD/CASE No. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with XXXX XXXX XXXX because these charges are a result of criminal act of fraud. See attached police report. Step 4 : What company is this complaint about? XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Step 5 : Who are you submitting this complaint for? XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Time Line XX/XX/2021 Deposit, PAYMENT - made in account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Withdrawal, RETURNED PAYMENT, taken from Comenity Bank Account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim, purchase and mailed equipment ( XXXX XXXX ) XX/XX/2021 Victim contacted State police to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim contacted Comenity Capital Bank to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and dispute all transactions and charges related to the crime. See attachments : XXXX ) XXXX Comenity Bank Credit Card XXXX XXXX ) Dispute Documents - Comenity Bank Credit Card Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a purchase on XX/XX/21 of {$14.00} using my XXXX credit card from Comenity Bank. I did forget to make the payment and was charged a late fee and finance charges. I paid the balance listed on the website on XX/XX/21, but later discovered that I had incurred another late charge, so I still had a balance. I paid the total balance in full, {$66.00}, on XX/XX/21, which was not due until XX/XX/21. At that time I requested my account be closed since the company was no longer in business. A few days ago my husband told me I had an alert on our credit monitoring service from XXXX. I signed on to the account and found that they had continued to charge me a minimum finance charge and late fees after I paid my balance. The statement from XXXX actually says they will not charge interest if the balance is paid before the due date. So I now have a {$30.00} balance on a card that was paid off in full in XXXX along with negative activity on my credit report. I spoke with customer service at Comenity Bank and they stated they took those charges out and my balance is now {$0.00} but said there is nothing they can do about my credit report. How many other customers have they done this to??
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up payments of {$290.00} per month with Comentity bank through XXXX XXXX. We set up a weekly payment plan, but my payment went from {$290.00} per month to {$400.00} per month when we set this up. I spoke to comentity and they were supposed to change this back to {$290.00} per month for my payment, divided out weekly, but I was stuck paying {$100.00} per week. I have tried to work with them to fix this and they haven't fixed it. I am now in arrears on this with them because I couldn't afford to pay them that much of a payment, and it never should have gone that high in the first place. I was just hit with 30 day lates on my credit for this in XXXX and XXXX, but i don't even know how when I have been making my payments.
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In addition to my previous complaint filed XX/XX/XXXX. I have received response simply untrue. I had this account since XXXX, there was never an auto pay feature, even if its added recently to the website, this should not be an excuse of what happened prior. This was confirmed by multiple agents of yours over the phone, please check those call records. I logged in the account today and also realized all my secure messages were deleted. I have had multiple communication regarding payment issues and uploaded proof of payment scheduled by my bank. Why are they deleted? I saved a few and will upload.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XX/XX/2021, i sent a letter to the creditor disputing an unauthorized inquiry made on my account. I would now like to take legal action if this fraudulent item isnt removed from my credit report because its having a major negative effect on my current score. The failure to provide investigation results after 60 deems violation of the fair credit reporting act and must now be removed. thank you for your help.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was enroll in Autopay in XX/XX/2021. VS had a glitch in their system and the original payment did not went thru. In XXXX, VS acknowledge that the charges were wrongly applied and reversed some of the charges. In XX/XX/2021 I received a charged of {$2.00}. I call back again to remediate this issue. The representative who took my call ( XXXX ) provide a horrible customer service. The call was done on XXXX at XXXX : XXXX XXXX easter time. I asked her an identification number and she didn't provide one. On top of that she share personal information about my PIN number which is a breach of privacy. I decided to close my account on XX/XX/2021 and would like the CFPB to review my case and get my money back from VS.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A