Date Received: 2021-04-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Had a XXXX Credit Card through Comenity Bank ( worst bank ever )! Did not use card and then get charged a fee for not using card so I told them to close the account. I didn't use it that often and to get charged when not using it is ridiculous. But they would not close account and kept charging me {$10.00} so i finally paid {$30.00} to just get rid of them and they finally said they would close account. Several months later I got notice from a collection agency regarding outstanding bill. Now 5 years later it up to {$300.00}. What can I do? This account was closed and bank still charged!!! This is 5 years later!!!
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The account number provided was not the correct number to use to register the account online.
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As of XX/XX/2020, I have sent monthly letters to XXXX XXXX XXXX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX XXXX XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The information regarding the account XXXX on my credit profile is reporting different account dates and inaccurate names of the creditor for each bureau. I have disputed this information with them directly but they are refusing to delete the account. They are reporting inaccurate information and it is hurting my financial future. Reporting different dates for each bureau. XXXX Date of last reported : XX/XX/XXXX XXXX XXXX Date of last reported : XX/XX/XXXX XXXX Date of last reported : XX/XX/XXXX Reporting different names for each bureau XXXX- COMENITYCB/MYSMLCARE XXXX XXXX- COMENITYCAPITAL/MSC XXXX- XXXX The bureaus are reporting fraudulent payment history as well regarding this account. XXXX : Exceptional payment history XXXX XXXX : No payment history XXXX : Reporting one month of payment history
Company Response:
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am not in agreement with the AUTOMATIC PAYMENT option that Commenity offers to credit card holders. The description of their process on line is not exactly how they calculate it and they are not detailed enough with their explanation. The overall process they perform does not seem to follow their description of the feature and can actually hurt a credit card holder by withdrawing too much money from their bank account to cover the credit card balance, therefore, putting the person in an overdraft position. In XX/XX/2021, I signed up for the AUTOMATIC PAYMENTS feature offered to me as a card holder. My intention was to still use my bill payer at my bank to initiate payments and should the USPS not deliver my payment in time, I would be covered with the auto pay feature. My XX/XX/2021 statement had a new balance of {$230.00} due on XX/XX/2021. In XXXX I used my bill pay at my bank to pay the {$230.00}, which was applied to my credit card balance by the credit card company on XX/XX/2021. At this time I had satisfied my credit card balance due by XX/XX/2021. On XX/XX/2021, the credit card company withdrew {$90.00} from my bank account to pay the credit card balance. This means that I over paid my monthly credit card due to them pulling money from my account. When I inquired with Commenity about this issue they stated that by signing up for the AUTOMATIC PAYMENTS feature, I authorized them to withdraw up to the NEW BALANCE amount of {$230.00} to cover any balance on the credit card, not just the current credit card balance. The amount of {$90.00} that they withdrew was actually to cover future charges I made that were not billed yet on my monthly credit card statement. I do not feel the description of the automatic payment feature is truthful and feel it is misleading. The below are copies of the text in their website regarding the feature. Automatic payments let you authorize an ongoing deduction from your checking account to pay your My BJ 's Perks World Mastercard Credit Card Account on your Payment Due Date. You may schedule an automatic payment of your Minimum Due, My Balance or an Other Amount of your choice. When you do, you will receive an email reminder 10 days before the payment is withdrawn from your checking account. Then, on your Payment Due Date, your payment will be paid according to your chosen payment option -- -no stamps, no late payments, no worries. Go to Automatic Payments. Not signed in? Sign in now. My Balance will include the total of your regular revolving credit plan purchases, cash advances and past due amounts plus minimum payments due for any promotional plans. If you have a promotional plan, you may need to pay more than the minimum payment due to pay off the promotional plan balance during the promotional plan period to avoid additional finance charges. You may need to set up additional payments to ensure these promotional plans are paid off before the end of the promotional period. If your billing statement 's " New Balance '' is XXXX, no automatic My Balance payment will be withdrawn for that month.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Victoria Secret has not sent any validation that this debt is indeed mine showing a wet signature. I have no binding contract with this company. I sent numerous letters via certified mail and received no validation of the debt.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a credit card with the purchase of a couch from XXXX. The servicer for the account is Comenity Bank. I have the original credit card agreement which states " Purchases of {$700.00} or more have a promotional period of 12 months deferred interest ''. My purchase was over that amount and I am within the 12 month deferral period. On my XXXX statement, Comenity applied interest charges saying that my deferral period had expired. I did not catch the error until I logged on to pay off the balance on XX/XX/21. I disputed the charges and was denied the dispute because I did not call in within 70 days. I'm unclear about the dispute period since my statement says 60 days and the denial of the dispute says 70 days. They also can not tell me if it's 60 ( or 70 ) days from the day the statement is cut, the statement due date, or some other date. Regardless, if Comenity violates the credit card agreement, there should not be a time period for dispute. By the way, I contacted them 64 days after the payment was due on the applied charges. When I called in to question the decision to deny my dispute, I was told that XXXX is responsible for 'entering in the promotional period ' and there was no way to further dispute the almost {$500.00} of interest applied to my account. Comenity is saying, although I have the original service agreement that states the promotional period is 12 months that since XXXX incorrectly entered it as 6 months that they can not waive the fees. I have called now 3 times. It was not until I pushed for a supervisor that I was told they DID make an error and that they were waiving the interest on my account. As a consumer I expect the credit card company to honor the terms of the credit card agreement. I do not expect to have to call 3 times, file a dispute and escalate to a supervisor for them to honor the agreement. How many consumers are denied fees and interest that are charged in violation of the credit card agreement? I have since cancelled the 3 accounts I have that are serviced by Comenity and will not open any accounts serviced by them in the future.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following company : Comenity Bank/David 's Bridal is reporting a late payment on my credit report. I have mailed letters to this company since last XXXX and have not received a written response from them. I have also contacted them via telephone and they're not able to find my name, social,, or phone number in their system. I'm asking that you remove this late fee from my credit report being that it's evident that this is not my account.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The charges on my XXXX XXXX card were made by a dishonest employee at the store. The store manager stated that he would credit the charges and never did. I have been making the payments to protect my credit but the charges are fraud and are not mine and the company has failed to correct this issue
Company Response:
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Identity Theft : Victorias Secret Card not requested Sent to former address Can not contact company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A