Date Received: 2021-09-01
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 been charged wrongfully since XX/XX/XXXX. I calles customer service to make a payment becuase there systems online were not working and calling numerous times to get thru finally reached someone on XX/XX/XXXX to ask about bill. The representative assured me my only balance was XXXX so I becuase that was all that's owed she advice to me make this payment and your account will be satisfied. Then in XXXX again a balance of XXXX and additional XXXX charged again for no apparent reason no transactions were ever made and again balance showed up. Then representative fixed it. In XXXX it showed up again and called to get it fixed representative again assured me no balance that I in fact had a credit due to fixing issue. Then today XX/XX/XXXX, I have a balance again for the same thing I keep paying over and over. Victorias secret credit card has been taking money from me saying its late fees etc when I have not used my account and they have been advising to me payments have been satisfied. Every month is the same concern and I called them to get them to help on what is happening they say there is no balance but then it shows up again.
Company Response:
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
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: In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation
Company Response:
State: NC
Zip: 28083
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had over-paid through a debt consolidation loan a credit card ( Comenity Bank ). I called to close the account and request a refund of the credit on account ( XX/XX/XXXX ). I provided my personal checking account numbers so a direct deposit could be done. I expected to wait 5 - 7 business days for this to happen. When the money had not been placed in my account, I called again and was told that they do not do direct deposits and that a check would be issued for the amount over-paid. I waited again and nothing. I called once again and was told that there was a mistake at the company and that the check was written for more than was owed. I assumed that they would have just processed a new check and get it out to me. I again called and was assured that the money would be in my account on XX/XX/2021. On XX/XX/XXXX the money was not there. I called again and was told that the " supervisor '' would issue a 2nd Request ... I was literally in tears at the end of this phone call. I called on XX/XX/2021 and was told that a check was issued and I should see it in about 10 days. I thought that maybe just reactivating the card would allow me to use the funds. Not possible. Very disappointed in not being able to receive my refund.
Company Response:
State: OR
Zip: 97603
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting this complaint because I am being extremely affected by Comenity, they are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. The charges were fraudulently made I was not aware that the XXXX store had opened an account for me. I believed it was a discount card. There was a {$5.00} charge I never authorized that charged into {$95.00}. Account information : Account number : XXXX XXXX XXXX XXXX. Account status : Paid and Closed. Date Opened : XXXX. XXXX, XXXX I am requesting a deletion account from all credit bureaus.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I paid the remaining balance on our XXXX XXXX XXXX off ( Comenity Bank ). Mine was {$200.00} and my husband 's was {$710.00}. The following month, we got new statements showing {$0.00} balances. However, they were charging me {$1.00} in interest and my husband {$4.00} in interest ( on XXXX balance ). I called as soon as we got the statements and was told the interest was carry over. She took my balance down to XXXX and we closed our accounts, but she said she could not remove the {$4.00} on my husband 's statement. We then got a new statement showing he now owes {$9.00}. I called on XX/XX/XXXX and was disconnected twice after explaining my complaint and was told because the account was closed, they could not help. The third time I called I asked for a supervisor and again explained the situation. He stated that because I did not pay it off in XXXX, there was a fee that showed up on the next statement. I replied that the next statement was the one I paid in full and there should be no more fees. I told him even though it was only {$4.00}, it's the principal and that these fees could continue forever and it's quite a racket. He said it is completely legal and those fees would not be removed! I said I would take it all the way up to the president of XXXX, to which he replied, who do you think implimented it ....
Company Response:
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened this account in the store about 60 days ago. I never got the card or statement in the mail so after about a month I called. I was informed that they had my address wrong and were reversing the late fee and issuing me a new card. Several weeks have gone by and still nothing so I call again to find out that I still owe that late fee and they cant issue me a new card because I did not make a payment. I did make a payment the first time I called in so I would not rack up any more fees until I get my card or statement so I could set up my online access to my account. They told me again that they will reverse the fee and they will mail me a statement but they cant issue me a new card until a new billing cycle starts. I cant access my account, verify purchases or fees or make payment to pay off my card because I cant get a card but I cant get a card until I am charged more fees.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Community Bank, I have close account and paid fees for month of XXXX, sent check they don't pay to accouny till after due date and charging more late fees, it going since XXXX, They holding payment after due date, hurting my credit, I have tried to deal them, they always a excuse that I don't pay in time
Company Response:
State: VA
Zip: 244XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Victoria Secret is charging me XXXX dollars from recharges but I had also payed it off on XXXX. They have also closed my account access for Victoria Secret and I can't access that account and now they only call me to charge me about the card.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Comenity, requests for assistance were made since XXXX year til now with no resolutions whatsoever then, you got took over by another company. Now the concerns seems lost as to which credit card company is responsible. You delayed assisting by seeking for details to the charges, in order to assist. When that was provided you then seek for their service contract, more in order to assist or investigate into it. Which is it? Now Comenity has been taken over by this other company. I spoke to your worker XXXX in XXXX to close Comenity accts XXXX, which were also already requested in the previous mentions to CFPB, which were not addressed. Prior to that other companys takeover. When requested to close it, XXXX explained that Comenity is now unable to close it? Comenity ruined it, again. XXXX mentioned to not close this, when contacted Comenity in XXXX so, Comenity may better assist with the concerns but still now it has not resolved the matter of many years ago delayed. Also, in the most contact to CFPB, i mentioned that XXXX does not respond to any of the requests for their contract so, unable to get a contract that you desired. Conmenity should contact them for their contract that you seek for Coverages XXXX from XXXX year. Also, few minutes ago contacted Comenity, your telephone hung the calls many times, I asked your worker XXXX to connect me to a manager, the call got hung again. XXXX mentioned to write to Disputes dept, unwilling to connect me to that dept? Conmenity should contact XXXX for whatever contract that you desire so, you may in order to resolve the matter that you delayed ; as what were provided are not enough for Comenity in order to resolve this or you are going to desire other stuff so to not return the funds? Like your first request for details then, coverages then, still no resolving the matter. Coverages # XXXX date XXXX XXXX
Company Response:
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A