Date Received: 2021-08-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Step 1 : What is this complaint about? This complaint is about an interest fee charged after I paid my account balance in full. Step 2 : What type of problem are you having? The company charged me an interest fee on a zero balance. Then sent me a bill with the interest fee to be paid. Step 3 : What happened? I contacted them, and spoke to customer service and to a manager, and they both refused to remove the interest fee charge, and told me that I paid the bill off too early, and the fee still applies, so next time pay the bill on the billing date. Step 4 : What company is this complaint about? Victoria Secret Store card. Step 5 : Who are you submitting this complaint for? Myself.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
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: Good Afternoon, On/or around XXXX of this year, I was shopping at an antique market/mall, outside due to covid restrictions. I walked through the huge mall to shop and buy items for my home. I purchased a plant ( on different card ), food/drinks ( on different card ), I purchased some socks ( I believe ) on the card in question and records on this card for sure for around $ XXXX {$40.00}. After walking the mall, I went into a XXXX pop-up tent. I was wearing XXXX clothing and my bag was XXXX, with that being said. The " employee '' i believe advised me to leave my bag at the front because it was XXXX and can't have it in their because of them assuming that it wasn't bought prior. With my clothing they gave me a piece of tape to put on my jacket, shirt and socks to identify that it was brought in. I left my bag of records and my XXXX little bag at the front in a portable truck pop-up where it had the cashier, valuable items, other customers hold and customers items. After walking the area that XXXX had ( seemed to be 4 or so tents of stuff pilled together, i had to leave because it was very humid, lot of people, masks not helping and etc. I went to the front and gave them my ticket for my items left. The bag i purchased with the credit card had my credit card in the clear record bag. Probably not the right choice, but it was done on accident. I contacted commenity bank to advise them that the card, once i noticed, was gone/stolen or lost. I received a letter in the mail sometime this week or last that said they couldn't find this was lost/stolen or fraud. I called in today, XX/XX/21 to XXXX and talked to a " XXXX '' or " XXXX '' she said her name was spelled like the drink, XXXX. I advised her what had happened, again, and she said oh this sounds real fishy! Which in my opinion, was something she shouldn't have said, but also said she will review this, but not guaranteed of an outcome. She was very rude and made it seem like i was the one who purposely lost the card with her tone and attitude on the phone. I had 2 transactions before i could cancel the card that i advised them that i didn't make. I was at the antique/vintage mall for about 3-4 hour shopping before i realized my card was lost/stolen or fell out of my plastic bag.
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYCB/MYPLACERWDS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Comenoty banl has advisede that they only report the last 2 years of payment history to the credit Bureaus. Thwy have not updated my report reflect such and will not make the change.
Company Response:
State: VA
Zip: 23606
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
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: This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I keep receiving calls late at night or early on the morning almost XXXX times a week and they keep harassing me for an amount of {$850.00}.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity bank, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. Community Bank Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX Ill go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I want them to come off of my report I am only a authorized user who was removed. And I want them off my report.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021, I retrieved a letter from Comenity Bank and discovered an inquiry that I have no knowledge of ( XXXX Inquiry date XX/XX/2021 ). Because I did not apply for credit with Comenity Bank. Please launch an investigation of inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Comenity Bank is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: COMENITY BANK/XXXX XXXX DATE OPENED XX/XX/2020 BALANCE XXXX COMPANY HAS DONE NOTHING TO RESOLVE THE ISSUE. IS FRAUDULENTLY REPORTING ON MY XXXX AND XXXX REPORT. I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS NOT A RESULT OF ANYTHING I HAVE PERSONALLY OBTAINED. PLEASE BLOCK/DELETE FROM MY CREDIT REPORT IMMEDIATLY.
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A