Date Received: 2021-07-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/21 a made a single purchase at a Victoria Secret Store ( Location XXXX ) with my Victoria Secret Card that purchase was for a {$130.00} I also wanted a gift card for a {$100.00} which would have bring the total to $ XXXXThe cashier tried to enter the amount the gift card portion but the purchase did the card did not work. Inadvertenly my card was charged twice for {$230.00}. I called the bank ( Commenity Bank ) that issued the credit card they will not issue a credit until they have investigated claim which can take up 90days which I was told by the customer representative. It is plain on the statement that I was charged for the same items over and over again. As a XXXX citizen I am being taken advantage of by the bank and also the store. Your help is greatly appreciated. Thanks
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: From : You Sent : Friday, XX/XX/XXXX, XXXX AM ( XXXX ) To : Comenity Bank Subject : Payments Message ID : XXXX i made a payment via XXXX XXXX XXXX XXXX XX/XX/XXXX electronically, in the amount of {$400.00}, which Bank says cleared XX/XX/XXXX, but not reflected when I log in XX/XX/XXXX, and review transactions/statements. From : You Sent : Friday, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX To : Comenity Bank Subject : Re : Payments Message ID : XXXX I spoke with Comenitys `customer service XX/XX/XXXX in XXXX who after reviewing the payment I made to our closed account XXXX,, who was nice enough to write a letter internally to have the {$400.00} reapplied to my current account umber XXXX, who said it could take a week. I also issued a payment in the amount of {$29.00} through XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which since via mail scheduled or antipathy to be delivered XX/XX/XXXX. Shame the address for mailing payment to Comenity, - My BJS Perks XXXXXXXX XXXX XXXX XXXX, XXXX, Texas XXXX, only accepts mail from XXXX XXXX XXXX XXXX instead of a electronic payment system. HAD COMENITY BANK, when they received the {$400.00} on XX/XX/XXXX to our closed account, rejected payment because account was closed or immediately sent notification to the old account number telephone number and email on record, payment of the {$400.00} could have been reapplied to the new account number. The gentleman I spoke with who supposedly wrote the internal letter to have money transferred to the new account, I hope was telling the truth. I received a email last night saying funds have not been received. I see the very, very, very poor rating of Comenity on the XXXX, and now regret getting the new account under my names versus the closed account under my deceased wifes name.
Company Response:
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed a complaint # XXXX on XX/XX/XXXX on Comenity Bank for not removing an account off of my credit report which they agreed upon by cashing the money order that was enclosed. The letter stated that upon cashing the money order, they agreed to settle the account and also remove the XXXX account off of the credit report. The money order was cashed on XX/XX/XXXX. They claim they never received the letter that accompanied the money order, but they cashed it. Their response through CFPB, the letter that I received, stated that they will not remove the account from the credit report, even though they accepted the terms and conditions by cashing the money order. They also stated in this response letter that all settlements were to be sent to a different address, XXXX XXXX XXXX which the representative did not state. The original letter dated XX/XX/XXXX, they sent me stated that after I spoke to Recovery Department, to send payment to XXXX. XXXX XXXX which I did. They violated the terms that I sent them and are trying to keep from removing the account from my credit report even thought they received the settled amount. Also, the second money order they stated they received had the correct account number on it, which was to a XXXX account. The letter for the XXXX account had the wrong account number ( the XXXX account number ) but the money order had the correct account number. That dollar amount was supposed to be credited to the XXXX account. They have violated the terms agreed upon.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When I make my payment via their website on the same day that it is due, the payment should be credited to my account that same day. Instead, they've set an unreasonable cutoff time of XXXX Eastern time. I live in XXXX time, so XXXX Eastern time is XXXX my time, which is at the end of a typical work day. When I work 10-12 hour days, I can never pay by the exact cutoff time on the due date, as I can't always interrupt my work day to make the online payment, which I pay manually. When I first signed up for the Lane Bryant credit card by Comenity, they didn't have this ridiculous cutoff time for payments. This is a change that they've made after I already agreed to previous/different terms of service. This is an unfair business practice. They are setting the consumer up to have a late payment and, as a result, a late charge. It's a disgusting attempt to boost their fee income.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be remove from my credit report asap. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Called XXXX to close account with XXXX and XXXX XXXX XX/XX/XXXX. They advised that XXXX timeshare opened the credit card in my name. I never gave them permission to apply for a Credit Card. I was there for a Timeshare presentation. Was not advised that there is any Credit Card Approval. Received Credit Card in the mail. They also signed me up for a XXXX XXXX Credit account without my consent. Credit card Acc was XXXX.
Company Response:
State: WA
Zip: 98406
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is a continuation of original complaint..COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. On XX/XX/XXXX I wrote a check for my balance and got it to the post office. As of today I have not seen the check post, I have reached out to Comenity several times, I called them and got a representative who said he would put a " ticket '' in for it. I have followed up ... nothing. They are not responding. So as of XX/XX/XXXX, this will be a late charge which is what I am trying to avoid. If they have the check I need to know NOW. If they don't, I need to know NOW. " On XX/XX/XXXX after receiving my XXXX statement on-line, I copied it and sent it along with my check for {$2700.00} to the payment center ( XXXX. XXXX XXXX, XXXX, TX XXXX ), The envelope was addressed by hand as I did not have your payment coupon which did not come in for several days later. I wanted to get this paid in full immediately. To date, I have not seen that check post. I called a day or two ago and there should be a " ticket '' submitted by your account representative inquiring as to where the check is ... do you have it ... if not, I have to cancel the check and make other arrangements. I need an answer to this as soon as possible ... not going to be dinged for a late fee, etc. Thank you. I can be reached at XXXX or by phone at XXXX. You have not responded to this question. I need an answer, please! '' This is the third time I have reached out to them ... NOTHING back from them. This is totally inexcusable!
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A