Date Received: 2021-04-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and I found a late payments reporting 90 days late from XX/XX/2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, I initiated a Balance Transfer from Comenity to XXXX XXXX ( moving my balance from XXXX XXXX to Comenity ). The amount was {$10000.00}. I contacted Comenity around the XX/XX/XXXX, asking them if there was a problem because the money hadnt been received by XXXX XXXX. They said I had to wait 30 days. I called them again on the XX/XX/XXXX. I was told there was nothing I could do until the XX/XX/XXXXas that would be 30 days from the date of the actual check date. But, the transfer would automatically fall off if not cashed by that date. I called again ( and I had sent secure messages in between, too ). On the XX/XX/XXXX, they said they would file the stop payment, and Id see a credit in 72 hours. On the XX/XX/XXXX, still nothing. So, I contacted them again. At that point, I was informed that the check was an electronic check and it showed XXXX XXXX had received the money on XX/XX/XXXX. They asked me to submit the XXXX statements showing no credit and suggested I file a dispute with XXXX XXXX. I did so right away, but the only information Comenity could provide was the electronic check number. A dispute was reopened, and I stupidly thought that these 2 banks would talk to each other and figure out where the money went. I submitted the dispute to XXXX XXXX the same day and they came back on XX/XX/XXXX saying they wanted a Routing Number and which account the money was sent TO. To be clear, every time I called in, I was told I had to wait to receive Comenitys letter in the mail - I was not allowed to talk to Comenitys dispute Dept and neither were their frontline agents. I sent a request to Comenity by Secure Message - asking for the transaction information XXXX XXXX said they needed : Routing Number Check Number XXXX XXXX account the payment was made TO I received a reply that I would have to wait for their letter. When XXXX XXXX closed the dispute for lack of information, I called Comenity again. Approximately XX/XX/XXXX. I finally got a supervising agent that understood : oh, I needed what they would need to verify the payment. She filed the request with XXXX Dispute department and I had to wait. I sent a secure message to the Fraud Dept. On XX/XX/XXXX, I called again because I received a document in the mail, but it had, again, only the electronic check number. No routing number, no information about what XXXX XXXX account it went to. I sent a written dispute by certified mail. And re-opened my dispute with XXXX XXXX using the document I received. To date, XXXX XXXX still treats this like I have a canceled check I can provide them and wants proof. And Comenity doesnt think theres a problem.
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Yes I paid off in full my comenity-XXXX the XXXX XXXX XXXX account in XX/XX/XXXX then they said I still owe XXXX so I paid that at the store ; so the next month I get another statement in mail saying I owe XXXX more so I called they claim they never received so I sent them a copy of receipt and they're still harassing me about now they've sent another statement this month XX/XX/XXXX saying I owe them XXXX $ when the said account was supposed to be closed in XXXX paid in full, tired of the harassment.
Company Response:
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I received a notification from my XXXX XXXX with Comenity Bank. I have the card since XX/XX/XXXX and have recently made limited purchases due to the pandemic. In fact, I have made limited purchases with all my store cards due to the pandemic. They advised they closed my card due to negative item on my XXXX Credit report. As mentioned, I have not made any recent purchases and the latest thing I did was refinance my home to get a lower monthly payment and interest rate in XX/XX/XXXX. My chapter XXXX is 6 years old from XX/XX/XXXX. There are no late payments all bills have been paid on time during this pandemic. Closing of accounts that have been opened for some time have a negative effect on the Credit Reports. I do not believe it is fair to close accounts based on old data when I have consistently paid all my bills on time and there are no late payments or anything negative on my account since the XX/XX/XXXX Chapter XXXX filing. This is a violation of my rights under FCRA and TILA. Companies should not be doing this in the middle of a pandemic negatively affecting the credit of consumers that have responsibly paid and struggled to maintain their creditworthiness during XXXX.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
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 was affected by a natural disaster and was receiving XXXX benefits I was living in a motel and not able to make any credit card payments after XX/XX/2018 this account has been paid satisfied and in return they agreed that they would remove the late payments ... I did my part but they have not done theirs.
Company Response:
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A year ago someone from XXXX XXXX XXXX contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Please see below copy of letter send to President of Comenity Capital Bank : XX/XX/2021 XXXX XXXX XXXX President of XXXX Bank XXXX XXXX XXXX XXXX OH XXXX Reference : XXXX XXXX XXXX Account ending - XXXX Dear XXXX XXXX XXXX, I am writing this letter in response to a promotional interest charge that I am disputing. I am asking you for your considering in setting this ongoing dispute. On XX/XX/2021, I wrote a check payable to Comenity -Alphareon in the amount of {$4200.00}, check number XXXX, Drawn off XXXX XXXX XXXX XXXX This was mailed out on XX/XX/2021 at my local post office in XXXX, Vermont XXXX. This check was to pay off my promotional balance which was needed to be paid off by XX/XX/2021 to avoid any additional service charges. In XXXX, I am sorry I do not recall the exact date, I received a statement showing a large balance, this concerned me therefore I called XXXX ( Comenity at XXXX and found out they did not receive my check, therefore an interested charge of {$4000.00} was added to my balance. I was very shocked as I explained I mailed the check out in plenty of time. As I said above, I mailed the check out myself at my local post office, in XXXX, Vermont. I was told by a customer service rep that I would need to dispute the transactions and did so while I was on the phone. I asked the customer service rep several times, if I should pay the amount of the check that I sent out and I was told not until they further investigated the dispute as if the check does show up, I would then have a credit. I was told it would take about two to three weeks to hear back regarding my dispute. On XX/XX/2021, I had not heard anything regarding my dispute, so I called XXXX XXXX to see if they had found my check. This was a very frustrating call as I was told my dispute was denied due to, I needed to show them proof of my check. I explained I mailed the check out and I have no proof of it. They asked me if I had a duplicate copy of my check, and unfortunately, I do not have the duplicate checks as I dont write many checks from this account, the lady I spoke to told me that was a shame, which I felt was not very professional. I asked to be transferred to someone else higher up as I wanted another answer. I was transferred to another supervisor who told me, that there was nothing she could do, that I should have paid it over the phone or online. Which again was very unprofessional as it states on the statement to write a check and mail it out with an envelop provided. Also, this customer service rep also said, that there is no guarantee on the mail so she would of thought with something so sensitive I would have paid it online or over the phone. I than asked to speak there her supervisor and I was transferred a third time and this time ; I was told there was nothing Comenity could do as once an interest charge is posted there is nothing they can do as it is a system thing, and it can not be reversed. At that time, it was been over an hour of being sent from supervisor to supervisor. I called my mother who works at a small credit union in Vermont in the Compliance Department, and she explained to me that if they wanted to, they could reverse the interest charge as it can done, as her credit union has made adjustments to help their members when it is something out of their members control. I feel this is out of my control and it must have got lost in the mail or is sitting somewhere at Comentiy. On XX/XX/2021, I went to by local post office where the bill was mailed and asked the postal worker if by chance the bill, I drop off a month ago could of falling somewhere at the post office and never went out. The lady that works at our local post office told me she would look but she remembers me sending it out as I never purchase stamps and she put the stamp on the bill and put it in the outgoing mail spot. Our town is very small and have a very small post office not a lot of activity. I also was told if you needed to talk to her, she would be willing to do so, as she told me this is not right. I called back to talk to another supervisor on XX/XX/2021, to see if I get someone to listen to me and again, I was transferred to two supervisors who told me there is nothing they could do for me. I was told I would have another supervisor call me and I still have not heard from anyone. I wrote a letter on XX/XX/2021, to XXXX, asking again for someone to call me and help me resolve this and as of today XX/XX/2021, I have not heard back from anyone. I understand you do not know me as I am just anther account number, but I strongly feel I did everything in my power to make this right, by mailing out the check for the total amount due to avoid any additional interest fees. I did what the bill stated which was to pay the amount due before the due date, I wrote the check put it in the envelope you provided and put it in the mail and as soon as I noticed the charge did not come off my account, I called up right away. I am not sure at this point what to do. I am a single hard-working woman who works every day to get by and by added this crazy amount of {$4000.00} to my balance is something I am sick over. I was raised by my parents to be honest and own up to my mistakes and that is what I would do if I did not send out my check on time. I am asking for your help to resolve this issue. As I was told not to make my payment until my dispute is over, I feel that also was the wrong thing to tell me as, I am now accruing interest on a very large balance. As of today, I am going to make my payment of {$4200.00} which was the amount I wrote the check for. Thank you for your time and concertation on this matter. I look forward to resolving this matter quickly. XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX CC : CFBP
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX A Original Creditor Name : Comenity Bank I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
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: I purchased an item from XXXX XXXX on XX/XX/2020. I returned the item on XX/XX/2020. I was still charged shipping and handling of {$21.00}. I paid the shipping and handling. They received the order back but did not credit my credit card right away. I was charged a late fee. So I contacted them. They kept saying I still owed the {$80.00}, which is the cost of the item minus shipping. I told them I did not owe them and to credit my credit card. They still did not do that. I did not pay anything more because I did not owe this debt. They even put it on my credit file as a late payment and it negatively affected my credit score. I called them again. They still kept saying I owe this money even though they had the item back and the shipping had been paid. Now they are still sending bills saying I owe over {$150.00} and that is all in late fees. It has again affected my credit score negatively. I do not owe these people and I want them to cancel these late fees and send information to the credit bureau that this debt is paid. It should never have gotten this far and I am tired of arguing with their incompetent representatives.
Company Response:
State: OH
Zip: 45805
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I called the company ( XXXX ) to ensure my auto pay was on and would be continues to stay on prior to XX/XX/XXXX ( my due date ) .I get a call thursday XX/XX/XXXX and Friday XX/XX/XXXX stating I had an every due balance ( robo call ). Saturday XX/XX/XXXX they called AGAIN demanding payment immediately and stated my auto pay was shut off. They called again XX/XX/XXXX at XXXX am to get a payment AFTER telling them less than an hour before I would call them in a week for payment since my auto pay was *magically* was turned off. They called AGAIN Sunday XX/XX/XXXX @ XXXX, XXXX am, XXXX am, and XXXX am. Even tho I repeated for the past several days I would call back in a week - and yet they continue to harass me.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A