Date Received: 2021-07-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a purchase using XXXX XXXX XXXX ( comennity ) with a promotional rate of 12 months zero interest. I made all of my payments on time for 12 months using the us postal service. Comenity claimed they never received my 12th payment and charged me the deferred interest and late fees based on the missing payment. In my entire life of paying bills with USPS they have never lost any of my payments. I called comennity and asked them to remove the fees and interest based on my payment history. They were very defensive and rude. I cant believe that the payment that was due when my promotion expired was misplaced by usps as it has not been returned to me and every other payment arrives on time. They would not work with me to remove fees and interest or try to find out what happened to my payment. They are taking no responsibility for the missing payment. I believe they lostit to make an extra {$500.00} off a XXXX XXXX. I have no proof of what they did, but that is how they are getting away with stealing from consumers by saying the post office must have lost your payment. I have read other complaints from consumers of comenity taking advantage of people who need to make large purchases on credit. They told me if it was so important to pay my bill on time I should have payed online. I wasnt worried because the usps delivered all of my other payments on time. They dont make money if I pay on time. I believe they are stealing and didnt process my on time payment so they could charge me interest and fees. I wont do business with them anymore but they shouldnt be allowed to steal from consumers who pay their bills on time. Also, the statement they just sent in the mail with the interest and late fees arrived two days before the due date. Are they not required to send statements with enough time for the consumer to send payment? These practices seem very unethical and dishonest to me. I hope my complaint can help other people to avoid being robbed by XXXX XXXX/ commenity.
Company Response:
State: CA
Zip: 95062
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have debts from XXXX to XXXX with Comenity Bank, XXXXXXXX XXXX, and XXXX XXXX, that I know nothing of. I would like to get these off my credit file, because they are ruining my credit score.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
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: I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I had serval store credit cards with Comenity Bank with Balances no more than XXXX. because of covid 19, I had my work hours reduced last year around XX/XX/2020. I called the bank and got enrolled in a Hardship program wich they were collecting automatic payments from my checking account. around XXXX or XX/XX/2020 I received a letter saying that I failed to pay and got me off the program raising my accounts with late fees a higher balances they lied I never failed to pay they send me letters for each account. I called and talk to a customer service and explained what had happened and she said if I don't pay all the accounts will go to collections.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX of XXXX, I ordered a sweatsuit top from Victorias Secret for {$62.00}. During this time I also requested that my due date be moved to later in the month due to unsteady pay during the pandemic in which the request was granted. I was told by a representative that I didnt need to make another payment until XX/XX/XXXX. My XX/XX/XXXX Victorias Secret Comenity Bank account statement reflects this change. On XX/XX/XXXX, I made a payment of {$150.00}. This payment covered the balance of {$62.00} for the sweatshirt ordered in XX/XX/XXXX, plus purchases made on XX/XX/XXXX in the amount of {$57.00} and {$36.00}. These three purchases total {$150.00} plus the {$2.00} interest fee which equals {$150.00}. XXXX payment was covered in full with this payment of {$150.00} made on XX/XX/XXXX. On XX/XX/XXXX, XXXX separate purchases were billed to my VS Credit card : One purchase for {$56.00} and another for {$64.00} which was a pair of sweatpants ordered in XX/XX/XXXX but were on back order and were billed on XX/XX/XXXX. The sum of these charges were {$120.00}. I did not receive the bill for these purchases until early XX/XX/XXXX. I began receiving collections calls at the beginning of XX/XX/XXXX, prompting me to make a payment of {$56.00} on XX/XX/XXXX. This left a balance of {$64.00}. The sweatpants that cost {$64.00} billed XX/XX/XXXX never arrived and the charge was refunded on XX/XX/XXXX. I contacted Victorias Secret in XXXX and XX/XX/XXXX expressing issues with my order including the pants that cost {$64.00} that Id been billed for that were never received. I was under the understanding, after speaking with multiple Victorias Secret customer service reps, that these purchases would be reflected on the next bill. I did not receive that bill until early XX/XX/XXXX. On XX/XX/XXXX I made a purchase for {$100.00} and {$62.00} which is a sum total of {$160.00}. There were finance charges applied to the account in the amount of {$2.00}. This totals {$160.00}. I made a payment of {$170.00} on XX/XX/XXXX, leaving me with a credit of {$2.00}. I was charged a late fee of {$29.00} from the XX/XX/XXXX bill that I didnt receive until XX/XX/XXXX. Although I dispute this {$29.00} fee, if applied, I would have owed {$26.00}. A pair of blue legging pants that cost {$25.00} from the order placed on XX/XX/XXXX had a hole in the XXXX. Victorias Secret mailed out the same blue legging pants which also had a hole in the XXXX. I contacted VIctorias Secret customer service regarding this and I was told that Id be refunded for the pants. If I did indeed owe Victoria Secret anything, it would be {$1.00}. I dispute that {$29.00} late fee which means that am owed a credit of {$27.00}. Victorias Secret has sent me a XXXX bill with a debt owed of {$30.00} which I dispute. A {$2.00} finance fee has also been added to the XXXX bill which I dispute. I have called multiple times to Victorias Secret Customer Service and Comenity bank to dispute this bill, and each representative maintains that I owe the {$30.00}. This bill is due XX/XX/XXXX and needs to be rectified. I do not owe Victorias Secret {$30.00}. At most, if I owe them anything, it would be {$1.00}. I maintain that I am owed {$27.00}.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My wife and I purchased furniture using a XXXX XXXX credit card we signed up for in late XXXX XXXX XXXX ). Since that time we have not received the credit card, account number or bill. After XXXX the bank ( comenity ) in XXXX that owns the card, I called their customer service number and was placed on hold for 32 minutes. I then went to their website and requested that my card be sent to me through their chat service. After still not getting the card, my wife went into the XXXX XXXX store where they sold me on getting this credit card, to ask them for the bill and card and the gentleman at the XXXX, MD location told us he would request a new card and bill be sent. Two weeks ago in early XXXX I got an email into my spam folder that said my payment late, so I called again and after a long hold finally got someone on the phone. I paid the bill in full over the phone ( even though I wouldve preferred to actually have the credit card and bill in hand ) and was still unable to access my account because the company does not give out account numbers over the phone. At that time the lady said she would reverse the late fee which I thanked her for. Yesterday XXXX XX/XX/XXXX ) I finally got the 2nd bill, though still without the credit card or 1st bill and noticed that I had been charged a {$70.00} interest charge despite not having the credit card or access to my account. I spoke to 5 different representatives and supervisors who said its their company policy at Comenity never to refund interest charges, even when it is clearly Comenitys fault for not having delivered my bill and credit card after multiple asks by me. If they do this to someone like me who has the ability to pay the bill, I can only imagine what they do to people who dont have the ability to pay their credit card bills. Truly horrible customer service and protocols.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Still charging interest on purchases from their previous delay in posting payment in XX/XX/2021! This is ridiculous!!! On the statement with due date of XXXX, they have charged {$7.00} in interest. ALL PAYMENTS HAVE BEEN PAID IN FULL EACH STATEMENT AND ALL INTEREST CHARGES SHOULD BR REFUNDED! I believe their processing of payments is extremely slow! This bank is frauding their customers and should be audited! They are very uncooperative and representatives are like robots!! Please resolve this claim, along with the other FOUR ASAP!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A