Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Comenity Bank is holding my money hostage. I overpaid the balance in full by {$1300.00} in XX/XX/2023. My husband and I had our XXXX XXXX XXXX XXXX credit card for over 20 years before they sold my account to Comenity Bank. One account.two cardsone for my husband XXXX and one for me. One balance. One monthly payment due. Paid it faithfully. My husband passes away and I contact Comenity to let them know that I overpaid and that my husband passed away. They advise me to send a death certificate and a power of attorney. Which I once did with XXXX XXXX XXXX and then sent these documents again to Comenity Bank on XX/XX/2023. When I called at the end of XXXX, customer service was not only rude to me but refused to talk to me because I was not my deceased husband. Comenity Bank has my money and I want it back!
Company Response:
State: FL
Zip: 33952
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: 2023-10-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to LEXUS PURSUITS VISA BY COMENITY BANK ON XX/XX/XXXX USING XXXX XXXX XXXX electronic payment system. XXXX XXXXXXXX XXXX has confirmation number, transaction number and a debit number where Lexus Pursuits visa by Comenity Bank received. As of XXXX XXXX, Comeity bank says they do not have my payment and I am being charged late fees and interest on the payment. I had a conference call on XX/XX/XXXX with XXXX XXXX XXXX, Comenity bank Rep and the rep went round and round. XXXX XXXX XXXX states that Comenity bank refused my payment and returned. In Conferrence call XXXX XXXX XXXX offered to send documentation where it was paid with all the confrimation transactions numbers but the comenity rep refused to take. His response was why do I need this info since you say payment was refused. Comenity is charging me late fees and interest now since they say I did not make any payment yet payment was made and refused and they Do NOT Want and documentation from XXXX XXXX XXXX showing they were paid. The issue is comenity can offer no reason why payment was refused. I no longer have {$1000.00} that I have paid in my bank or on the comenity credit card. Someone in the Bank has STOLEN my money and with the low level and belligerent reponses with the oversea CSR something illegal is going on
Company Response:
State: TX
Zip: XXXXX
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: 2023-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was just looking over my credit report and found some inaccuracies that I am demanding you correct. According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. Here are the inaccuracies I have identified : Account Name : COMENITYBANK/COMENIT Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sent a letter explaining the situacin, they just dont want to removed or accept my goodwill adjustment. This is the first time I will get a goodwill adjustment with them and ever in my life! My credit report shows I missed pymt on XX/XX/2020, we were going through a PANDEMIA!! My family was at the board of death really scary and hard times Please I just want a goodwill adjustment
Company Response:
State: NJ
Zip: 07801
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The following accounts have violated my consumer rights : XXXX XXXX XXXX : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ). Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ). Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ). Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXXmmediate action requested, including deletion of derogatory info. Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. Prompt attention and resolution expected.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Comenity Bank credit card was compromised so I called and spoke to customer service on XX/XX/XXXX. The agent gave me credit for the charges which was {$130.00} and that charge was not done by me. I have not used this card since XX/XX/XXXX. The transaction took place in XX/XX/XXXX. Instead of closing the account, they started to send me the late fees and finance charges for those transactions under a different credit card number. They keep calling me every single day and leaves me messages saying that I need to pay those charges. Every month the amount increases and will call me from different numbers such as unknown, private caller, scam likely, and some Comenity Bank numbers. They are supposed to investigate and let me know what the results are, but they never let me know what happened or updated me, instead their main focus was to pay for the charges which were never made by me. They are not supposed to charge me for disputed transactions, I requested to have my account closed and it was never done, they instead transferred the late fees and finance charges on a different credit card number and kept sending me the statement every month. They do not want to listen to me, their only concern was that they wanted me to pay for those charges. I have concerns about this credit card company, only XXXXXXXX XXXX XXXX keep calling me, no other race but them. The address of the bank is : XXXX XXXX XXXX XXXX, OH XXXX
Company Response:
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX To whom it may concern, Re : Discrepancies in billing and credit reporting by Comenity Bank I am writing to formally address a concerning matter regarding my account with Comenity Bank linked to my transactions with XXXX. In XX/XX/XXXX, I made a purchase of {$100.00} from XXXX. Immediately after receiving the purchase, I returned the items and awaited my refund. Instead of receiving a refund, I was charged interest and non-payment fees by Comenity Bank. I became aware of these unjust charges in XX/XX/XXXX when Comenity Bank posted a payment exceeding {$200.00}, despite not having made any additional purchases from XXXX. Upon contacting XXXX, they confirmed that my refund had been sent to Comenity Bank and even provided me with a statement to this effect. Despite XXXX 's affirmation, Comenity Bank failed to process my refund and continued to add unjustified interest to my account. I took my concerns to the XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint ( ID XXXX ) against Comenity Bank on XX/XX/XXXX. Instead of a rightful resolution from Comenity Bank, they added further injury by reporting delinquency to XXXX on XX/XX/XXXX, resulting in an unjustified decrease in my credit score. The letter I received from Comenity Bank dated XX/XX/XXXX, contained several inaccuracies, with a final statement saying I owe an amount of {$30.00}. Wanting to put this matter to rest, I paid the stated amount, hoping it would end my association with Comenity Bank. Contrary to my expectations, I am still receiving statements from Comenity Bank indicating that I owe {$71.00} and claiming I have an active account with XXXX, as of XX/XX/XXXX even though my account was closed and fully paid off. I have always prided myself on maintaining an exemplary credit record, and it is deeply distressing to see it tarnished due to no fault of my own. I implore the relevant agencies to thoroughly review my credit history and contrast it with this singular unfortunate experience with Comenity Bank. .
Company Response:
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX XXXX XX/XX/XXXX XXXX Initial phone call with company regarding the interest fee. The representative let me know there was a grace period and as long as I made payment the interest fee would be taken off and it would be reflected on the next statement. I over paid the amount and asked what would happen with the over paid amount and she said it may either come in a statement credit or as a refund check. I asked her to repeat back to be that the interest would be taken off. She put me on hold to verify with a supervisor and she said it would be taken off. payment was made on XX/XX/XXXX {$5000.00}. Pay off amount is for {$4400.00}, Interest amount {$3900.00} ( which the representative assured me would be taken off ). The rep gave me a case number of XXXX. XX/XX/XXXX - Next statement comes out with a new interest fee of {$87.00} as well as the remaining balance. I immediately call the company and spoke with a representative and she put me on hold to speak with a supervisor and told me the XXXX and the {$3900.00} would be taken off. I had to hurry off the phone as I was in-between work calls myself. I called back XX/XX/XXXX to verify the notes had been put in correctly and that representative read the notes back to me. The notes that he read back/were written on the account and the actual phone conversations I had with the representative on XX/XX/XXXX did not match. I asked to speak to his supervisor, I was transferred to the supervisor and went over the situation, he basically could not help me so I asked to speak with his supervisor. I was on the phone with a gentleman I believe his name was XXXX and said the case was being escalated to a research team who would listen to the calls and said they may or may not make an exception for the interest of {$3900.00} and believed I had a strong case for the {$87.00} at minimum. This supervisor also let me know there is a grace period the company allows. I was on the phone for at least XXXX. He let me know someone from the research team would call me back in XXXX hours with a decision. I did to receive a call the following week and due to a family emergency I was unable to follow up that week. XX/XX/XXXX. I called got an entry level representative and immediately asked to speak to a supervisor which I got and went over the situation. They said I was responsible for the interest per the notes on the account. I was upset as no one ever called to let me know a decision and I asked to speak to that persons supervisor. He told me there was no one else and I informed him I spoke to someone above him last time I called and he finally sent me to another supervisor which I believed to be his supervisor her name was XXXX XXXX ext XXXX ). She went over the notes and told me the notes all say that I was informed I was liable for the interest. This is most definitely not the case, every representative I spoke with gave me the impression the fees were being taken off due to the company 's " grace period. '' She did not have an explanation as to why I did not receive a call regarding the decision. She again looked into the calls and placed me on hold so she could listen to the calls. I asked if I could listen to the calls at the same time and she said that was not possible. I am upset by the fact that had I not followed up, my account would continue to incur interest fees. The company is telling me one thing over the phone and inputting different notes into the system. I spent over an hour on the phone with XXXX while she reviewed the phone calls. She came back and said there is nothing that can be done and that we have not yet started a formal dispute ( which I was under the impression had already started ). There is no record of who put the notes in and the company is conveniently missing recording of the phone calls I had with multiple representatives. She told me my promotional period ended on XX/XX/XXXX and there was no grace period she was aware of ( when multiple other employees told me there was a grace period ) I made the payment on XX/XX/XXXX and she is telling me their system does not show the payment being made till XX/XX/XXXX. This company is not doing right by its customers and the service they are providing, there trained employees tell customers one thing and then the note they write reflect differently that the phone conversations that were actually had which. The end result is the customer being misinformed and as a result the company benefits in the misinformation because finance charges are continuing to add up. I was also to informed a formal dispute had not been started or I would have made sure to start one. I would suggest any phone calls made with this company be recorded by the customer when it comes to a dispute.
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reviewed my credit report and noticed that this accounts is fraudulent I file a FTC identity report I file a police report also I reach out to the creditor got no response with the information here, such as an account opening was made without a permissible purpose. As a result, this information is inaccurate and should be removed & deleted from my credit report asa
Company Response:
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A