Date Received: 2023-10-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: RETALIATION BY THE COMPANY FOR FILING COMPALINT WITH CFPB My credit card was erroneously reported by the Comenity Bank for delinquency. I filed a complaint # XXXX with CFPB, that was forwarded to the company by CFPB. Comenity Bank retaliated against me by closing my account. The reason was cited as : The customer requested for cancellation of Credit Card. I never requested for cancellation of the credit card. I merely requested the company to fix my credit report. But they retaliated by cancelling my credit card.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Over the last couple months, I have received repeated calls that show up as " No Caller ID ''. I receive such calls multiple times a day, almost every day ; they do NOT leave messages, and they do NOT identify themselves. I have attempted to answer calls received from No Caller ID multiple times, only to have the caller hang up on me. I unmasked the number using the copy/paste function on my XXXX, and " No Caller ID '' comes from the same number each and every time ( XXXX ). I have attempted to call this number in an effort to uncover the identity of my harasser, but my calls are blocked! I even paid for an online report to identify who is behind these calls, and I discovered it is a CELLULAR phone. Today, I answered such a call and was finally able to access an automated interactive menu, albeit without an option to speak with a live agent. The automated menu identified the caller as Comenity Bank. I do owe them money right now -- my mother was injured in an accident and I have been out of work caring for her since the end of XXXX. I plan to pay my balance, in full, within the next 10 days, when I receive my NC pension refund, after having left my position as a XXXX XXXX so that I could continue to care for my XXXX mother. It is my understanding that repeated calls are harassment and, therefore, illegal. I do not know if the following also qualifies as harassment, but I personally find it *incredibly* harassing to have a so-called legitimate business call from " No Caller ID '', ( and from a cell phone, at that! ) as they are intentionally masking their phone number so that I can not identify them or return the call. In masking their identity, they are hoping I will be caught off guard if I answer their repeated calls, which only speaks to the aggression with which they go after debtors. Maybe this is too much information, but I was once in an abusive relationship, and I just get REALLY nervous and anxious about repeated calls from someone who is intentionally trying to mask their identity. That stress, to me, far outweighs the LESS THAN {$300.00} that I currently owe to this creditor. This company has been in hot water before, but yet continues to use predatory tactics with their consumers. It is despicable, and I will close my account the moment my balance is paid.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have been trying to get my remaining money out of a closed account at Comenity XXXX XXXX XXXX for about one year. Despite a letter to them and multiple phone calls I have been unsuccessful. The problem began when I lost my credit card and a new one was issued, with a different account number. A credit from a canceled XXXX XXXX XXXX reservation went into that former account for {$530.00} in XX/XX/XXXXXXXX or thereabouts. I contacted Comenity Capital Bank and received a letter stating they were researching my claim on XX/XX/XXXX. Please allow up to 90 days for us to complete our investigation, they wrote. There was no subsequent reply. I started calling their customer service 4 to 5 months later ( on XX/XX/XXXXXXXX ), and then repeatedly called back as no action ensued ( calls on XX/XX/XXXXXXXX with dispute team supposed to call back but they never did, and then again, a XX/XX/XXXXXXXX call ). I continue to receive statements regarding that closed account with a positive balance showing but have never received a check for that amount. I am demanding my money back, and an apology for this failure of customer service The account number of the closed account ends in XXXX.
Company Response:
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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: Over a year ago, XX/XX/XXXX of XXXX, I made a {$700.00} payment on a credit card issued by Comenity Bank, a card I had been using for a number of years. I shortly discontinued the card with Comenity Bank and paid off the remaining balance. Comenity Bank claimed at the time and subsequently, that I had not made that {$700.00} payment. They could not find the check, apparently. Finally, after I had sent them proof of Comenity receiving the payment digitally from my bank here in XXXX, Va., Comenity Bank sent me a letter, dated XX/XX/XXXX of this year, acknowledging the payment had been made, a letter I will attach to this complaint. While communicating with Comenity Bank about this dispute, they have continued to send me statements claiming I still owe a balance of {$680.00} on this credit card account, despite their dispute department sending me the letter indicating I was not responsible for the questioned payment of last XXXX. I will also attach the last letter I sent to them about this issue. Also attached will be their latest statement sent to me in the past few weeks. In short, Comenity Bank continues to send me statements for an account that has since been closed and by their own admission I am no longer responsible for any balance. The address I have used to communicate with Comenity Bank is on the letter I have attached : Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX The payments made are sent to a different address in Texas : XXXX XXXX XXXX XXXX, Texas XXXX
Company Response:
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, This was a charge from years ago and could be even past the point of collection time. However, I had an XXXX XXXX Account through Comenity Bank now owned by Bread Financial to the best of my knowledge. I used it for a few years and always paid on time. Then there was a charge on my account for over XXXX dollars and was shocked. I had used the card for services but the amount I was told was literally half of that. I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge. I than paid the amount the was actually agreed to. After their investigation, they decided to put the double charge or overcharge back on. I even connected with XXXX XXXX and they offered me a credit in that amount. I did not make that charge or was over billed and no idea how that amount was able to transact. I know for a fact that I did not sign for that amount. My actual maximum balance I could charge was XXXX that alone was over that amount, how could that charge even go through? I even paid the amount that I actually agreed to pay that resulted in a XXXX balance. I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it. I was upset and confused to then receive a bill back for the amount disputed. I wrote to them, I called, I did everything I could do as a consumer to get this taken care of. Meanwhile, they continued to charge fees and late charges and then finally closed it down. Then on top of that and knowing there was an issue sent it to XXXX XXXX XXXX. Ive asked them to send me my disputes that I have sent through to the company. All they sent me was a bunch of Terms and Conditions. They tell me via phone that this is all they need to send to me. The charge now they want me to pay is XXXX in charges for a charge that was double the amount agreed to. It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible. Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this. But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities. I need the evidence of the signatures and how this was able to be charged. Especially a charge over my credit limit and a card not in my legal name. Any help on this would be appreciated.
Company Response:
State: IN
Zip: 46350
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Ive had a Bread Cash Back Amex credit card for about four months. Aside from their many website glitches and outages, the more important issue is their assumption that there was fraud on my fraudless account ; therefore, my card was locked three times, and unlocked twice. After three phone calls and one snail mail letter, my rectifying efforts resulted in them constantly kicking the can down the road. I was told of ongoing investigations, prompted by them, not me. The last communication from them ( via snail mail letter ) asked me to call them within 30 days, or the account would be closed. I called immediately after receiving the letter. Again, the can was kicked, pending further investigation. I told them to close the account, then added that they earned their many negative online reviews ( one site posts 73 % negatives ). I have a second fraudless Bread credit card under investigation, which is about to cheat me out of {$50.00} cash back. I was {$17.00} short of earning it, and then it was locked. I expect this account to undergo the same scenario as the aforementioned. I assume that Bread is using this tactic to claw back any earned cash rewards.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: A 20 % discount was marketed on the first purchase for an approved credit card application. I applied and was declined at the store in error. My credit is immaculate so I called XXXX and was told my application was indeed approved. I was marketed a discount and declined in error- never received my discount and had a hard credit bureau hit for the sole purpose of redeeming the 20 % off a large purchase. I did what I was asked to do to receive the discount ( opened up a card ) yet never received 20 % off a {$220.00} purchase because I was communicated by the associate that my application was declined, when it was actually approved. I would like my {$44.00} refunded which is the discount I would have received if the card was not incorrectly declined at the store, while all the while actually approved.
Company Response:
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: On XX/XX/2023. There are XXXX hard credit inquiries to my credit report. I did not apply for those ones and they are fraudulent activities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already reported it to XXXX. I confirmed with the lender that the card was not approved. But I believe there has been some leakage of my critical personal information.
Company Response:
State: WA
Zip: 98053
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have XXXX credit card for the last several years. The account was with XXXX XXXX XXXX ( XXXX ). There was a promotional balance transfer offer of 0 % interest rate until XX/XX/XXXX with a 4 % transfer fee. I availed this offer and transferred {$29000.00}, with 4 % transfer fee, the total balance in my XXXX account was {$30000.00} Subsequent account statements from XXXX did not charge me any interest or other fees, I was paying the minimum amount to be paid as stated on the statements. The account was transferred to Comenity Bank in XXXX, XXXX ( by the bank, not by me ). Subsequent statements started charging very high interest charges on the balance. I contacted Comenity Bank at least XXXX times with whatever document I had. I contacted XXXX to provide additional documents. However, XXXX said they don't keep any documents when the account transfer happens. All documents are with the new institution. I submitted my email of confirmation of the balance transfer with the promotional offer, I submitted the last XXXX statement where no interest charges or fees and the first statement from Comenity Bank where interest charges started. Still, Comenity Bank came back that the charges are right. There is not enough proof of the promotional offer. If XXXX did the transfer of my account to Comenity Bank, it should be Bank 's responsibility to keep all the information and provide right treatment. Even after I submitted enough proof, Comenity Bank came back that it is not enough. I am with high stress because of this injustice. Would appreciate help. If you need any information, I will be happy to provide whatever I have and that should be good enough. I have attached the confirmation email of the transaction completed with the promotional offer.
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My additional card holders credit card was stolen he went to check into a XXXX property and noticed his card was missing he immediately notified me and I contacted Comenity bank to inform them of this information as I logged into my online account waiting for an agent at Comenity I saw that the card was being utilized fraudulently. I informed Comenity bank that ALL the charges on my account are fraud as XXXX nor I made any of them and his card is clearly missing. I was advised temporary credits would be placed on the account and the charges reversed. This still has NOT happened. A statement has now generated and Im being asked to pay for these purchases. I am not paying for purchases that were not mine. His card was STOLEN! Comenity needs to remove these charges immediately.
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A