Date Received: 2023-10-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I use the Comenity NFL Points credit card only because they took over for XXXX XXXX NFL program and I use points towards NFL ticket purchases, etc, and have been having NOTHING but problems since they took over, which I will not go into every detail at this time, just a major issue I am having and have had numerous times since their inception.. I have a $ XXXX credit line which I have always PAY IN FULL each month. At this moment in time my account shows $ XXXX available credit, yet I can not make a {$20.00} XXXX purchase or buy {$4.00} worth of postage as it is being declined. The bank is all over the place with their responses to me, however I see this to be a problem. Up until recently and for the past XXXX years I've had a credit card, if I make a payment and it shows posted, I have access to that available credit. Not so much here. This morning I look at my credit line directly from their website ( which I pay off completely each month ), it shows I have a credit limit of $ XXXX with a current balance of $ XXXX, leaving $ XXXX available credit ( it's their math, not mine- I'll show attachment ), however when I try to ship a package and run a postage for a measly {$4.00}, it is declined for lack of funds. Now, from what I gather from the many many times I've reached out to them, their lack of posting my payments in a timely manner causes different credit charges to be declined. From what I am trying to comprehend, but can not, is that if I show $ XXXX available to me and I try to run a say {$5000.00} credit card charge and it is declined for whatever their reasoning, they actually place a temporary hold on that money for up to 7 days. Now say that $ XXXX is tried to be run again, as my credit line still says $ XXXX available to me, they hold yet ANOTHER $ XXXX for up to 7 days. Now let 's just say there's a random {$500.00} charge declined, and maybe a {$450.00} charge declined, it adds up and keeps a hold on my available credit line. All while showing me that $ XXXX is available. Now, lets say I make a {$4000.00} payment and a {$3000.00} payment, it then immediately shows me I have $ XXXX, BUT, here 's the kicker, I can not use that money for 7 days either, which happened all of a sudden and was never this way for my XXXX years of using credit cards. They say it's for MY PROTECTION. All while other transactions are being declined and then still adding up and being held for up to 7 days. It's a massive circle.. Just yesterday I get a " Fraud Alert '' on my cell phone asking if I approved a {$400.00} purchase from such and such, and I responded yes, and they respond cool thank you, they STILL DECLINED THE CHARGE, forcing the person I approved to try and run the card again, thus holding my money for up to another week. Oh while I'm at it, I paid my card in full last month, yet they still charged me interest for some unknown reason.. I have STELLAR credit and Comenity is making me out to be a degenerate. I hold my breath each time I use this card in fear of it not working. The ONLY REASON I keep this card is for the NFL points I've accumulated and I use constantly.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off my credit card bill in full on XX/XX/XXXX. On XX/XX/XXXX Comenity Bread Financial charged a minimum interest of {$2.00}. I did not receive a bill. Since I had paid off the account, I did not go online to check the account. I was charged a late fee of {$2.00} on XXXX, and then another {$2.00} interest on XXXX, and then another late fee of {$6.00}, and then another interest charge of {$2.00} on XX/XX/XXXX. Today, for the first time since I paid off the account on XXXX, I received a bill reflecting the balance of {$14.00}. I called Comenity Bread Financial, and they indicated that while I had a XXXX balance as of XXXX, I had only made a partial payment in XXXX, XXXX. They said interest for the previous month does not reflect on the bill, so when I paid off the account in XXXX, XXXX, it did not cover the {$2.00} minimum interest charge - which had never been included on the bill - so that is why I was charged the {$2.00} interest charge on XX/XX/XXXX. They told me unless I paid the full account balance 2 months in a row, I would continue to be charged interest. This is ridiculous. If I paid the full account balance off ( which I did ) and then made no further purchases after that, how could I ever pay off the full account balance 2 months in a row? The XXXX bill was the first bill that I was sent since I paid off the XXXX bill on XXXX, so I was not even put on notice that these charges were still accruing. I spoke with a supervisor XXXX who indicated that she would reduce the {$14.00} outstanding balance down to {$2.00} but if I paid that amount, I would then be charged a minimum interest charge of {$2.00} in XXXX, so I would have to pay that again in order to have paid my " full balance '' 2 months in a row.
Company Response:
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
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: There was a purchase on XX/XX/23 for {$240.00} that was not mine. I notified Commenity bank by mail and I received a letter stating they were investigating. About a month later, I received a letter stating I was not responsible for the transaction and it would be removed. They charged me again for {$240.00} and only added one credit. The original {$240.00} is still on my credit card.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I purchased a ring from XXXX XXXX and used Comenity Bank Credit Card. I was told by XXXX XXXX that I would have " 18 months no interest ''. It has since been 18 months and 20 days. Yesterday, I found out that I was charged {$3200.00} interest on a balance of {$2400.00}. I was not given any warning that I would be charged this interest through email, mail, or text message. I am enrolled in auto-pay. I found this information after making a new purchase. I would like to file a formal compliant under XXXX.
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Purchased a top from XXXX XXXX shop in XXXX. Cashier repeatedly pressured me to apply for store credit card to lower the price of the top by {$20.00}. After saying no thank you 4 different times to no avail, finally agreed because customers behind me were getting impatient with the line. I dont use store credit cards and when the bill arrived, I must have thought it was junk mail and tossed it out. The actual credit card arrived after that and then I remembered. When I received the second bill, I was charged a late fee that was more than the {$20.00} discount given initially, but paid it $ ( XXXX ) I added a note to please cancel my account and described the pressure given at the store. My check for {$36.00} was cashed by the company. Now have received another bill for an additional {$75.00} in late fees. I called the company and asked that these late fees be adjusted/ forgiven and was told no. I asked to speak to a supervisor and spoke with an XXXX who was very polite but also refused. So I will be paying a total of {$100.00} for what was supposed to be a {$17.00} blouse. I am XXXX XXXX XXXX, and this is very distressing for me.
Company Response:
State: WA
Zip: 98902
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity is repeatedly calling me to collect on a debt. They call me repeatedly all day long starting at XXXX. On XX/XX/XXXX they called me 9 times and XX/XX/XXXX XXXX times!!!! I feel like I am being harassed at this point. I have kept a log since XX/XX/XXXX. The following is a list of dates and times that I received a call from them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 20121
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two Victoria 's Secret credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An XXXX XXXX was reported to my XXXX XXXX on XX/XX/2023. A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. *USPS Certified Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. Please Delete/ Remove this inquiry from my consumer reports as soon as possible. Thank You In Advance, XXXX XXXX
Company Response:
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: For the period XXXX thru XXXX XX/XX/2023 as an example there have been 14 calls from them, on the XXXX which was a Sunday there were 4, Monday the XXXX another 4 and today the XXXX there have been 6 as of XXXX. Before these dates they would on average call 5 or more times daily. Calls will start at XXXX and continue thru mid-afternoon.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A