Date Received: 2021-08-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Got a scam letter from Comenity Bank saying I applied for a ALL Rewards Mastercard, which I did not do. And goes on to say they need my SSN, date of birth etc.
Company Response:
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank/Wayfair incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted Comenity Bank and all three credit bureaus ( XXXX XXXX, and XXXX ) multiple times during the past month - Comenity Bank has been extremely difficult to deal with. After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with Comenity Bank and the collection agency to confirm that there was no outstanding balance associated with my Comenity Bank/Wayfair account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But Comenity Bank is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the Comenity Bank department that handles disputes. I did both, and XXXX a letter with supporting document to Comenity Bank on XX/XX/XXXX. The XXXX tracking number shows that Comenity Bank received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in Comenity Bank was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A Comenity Bank representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that Comenity Bank used. Comenity Bank/Wayfair is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Pay same as cash no interest as long balance was made by due date, I had balance due of XXXX by XX/XX/2021 I made before the XXXX however the day I call which I always make by phone to avoid processing fee talking to a real person I let them know their was phone problems I made payment of XXXX I realize i needed to pay XXXX but the machine had picked up by voice XXXX I was not able to pay XXXX cents I kept calling it took several days to process payment, by then my account had charged interest of XXXX and late fee. I call to speak to someone numerous times with no help I had to finally get a supervisor to file a complaint of of course they mailed me a letter telling me everything I already knew. They never considered that I never missed a payment and on said date I was truly trying to pay my balance off! I even tried to file a second complaint for I knew I had been done wrong I was told that it wouldnt do any good. They should have on file of all my calls and conversations. I even ask for a settlement balance answer was no we dont do that,
Company Response:
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
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: This card is from the XXXX XXXX. Card # XXXX XXXX XXXX It is a store card which claims to give a discount if I use it to purchase from XXXX XXXX catalog. I made a purchase in XXXX. I somehow missed the bill I expected to receive. When I received a late notice, I paid the balance of {$180.00}. It appears the company started charging me {$2.00}. every month & adding {$2.00} late fee. I was not aware of this. Since I was not purchasing, I did not check my balance. I received no notice. When I realized I owed {$6.00}, I paid this and asked that my card be terminated. Since then {$2.00} plus {$2.00} late fee has been charged to me every month. I have not made a purchase. I will not use this card again. XXXX XXXX has made a mark against my credit report causing me to have to pay a higher interest rate. They say I still owe {$6.00} which I refuse to pay. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never had a XXXX Credit card with Comenity Bank. Please report this to there company and have this removed from my credit file
Company Response:
State: NC
Zip: 271XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: In XXXX this company claim I had late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. and in XXXX for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Which is not true.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
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 made a purchase from Wayfair on their card which was then rolled over or transferred to/ taken over by Comenity Bank . I returned the item to Wayfair, as instructed, and I have confirmation from Wayfair of the return. Comenity Bank has repeatedly refused to issue the credit to my credit card. I have written numerous letters and made several, several phone calls. At one point Comenity issued a " provisional credit '' and in the same billing cycle reversed that credit ( XX/XX/2020 ). So I wrote more letters. On my statement for XX/XX/2020 the " provisional credit '', from XX/XX/2020 was entered again. That is very confusing and I do not want a " Provisional credit ''. I should simply receive a credit for the item I returned. A " provisional credit '', which could be reversed again, concerns me as it was reversed once before. Once the balance on that account was no more than the credit I expected to receive I stopped making payments on the account so as not to end up with a credit Comenity Bank would owe to me and I suspect I would never receive. Since that time Comenity Bank has charged me a {$40.00} late fee each month. I have written to several people I located online that appear to be a CEO or President, I have gotten no answers other than form letters. This situation is affecting my credit. I do not want to give Comenity Bank any more money than that I legitimately owe to them.
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity- New York & Co are reporting the incorrect information with all credit reporting agencies ( XXXX , XXXX , and XXXX ). The creditor ( Comenity Bank/New York & Co ) is stating this account was recently 30 days late for different months per each credit reporting agency ; however, this account was paid in full on XX/XX/XXXX, and later closed by the above mention creditor in XX/XX/XXXX. I have reached to Comenity/New York & Co both verbally and in writing, addressing my concerns on the following dates : XX/XX/XXXX and XX/XX/XXXX, and to be informed that their records do not match what the credit reporting agencies are showing, and I will need to dispute this issue, and there is nothing further that can be done on their end. I was told on XX/XX/XXXX that I would receive an email/letter stating that the account has been paid in full, close, and never late. As of today, I have not received anything from Comenity Bank/New York & Co. Attached you will find a copy of my last account statement showing the account status, along with the payment history that was obtained from my account summary on the company weboste.
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They have literally left messages and texts repeatedly. They called my husband, my daughter who lives in another state, my brother in law 's police department issued cell phone number ( I don't even know this number ). They are randomly calling people with the same last name and leaving messages. I have asked them to cease and desist and they continue.
Company Response:
State: IN
Zip: 46037
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: i have a statement balance of XXXX ( i over paid ) they sent me few bills at the time and I paid all One was a combination of prior bill that payment was crossed in the mail I have the statement where they state owing me these monies ..a negative balance Been waiting for check but never received I just called and when I put in my social security number they have recording stating i closed account ( which I did not ) they closed in person stores System will not allow me to speak with anyone JUSTICE credit card
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A