Date Received: 2021-03-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I placed an order with a catalogue sent to me from XXXX XXXX, XXXX XXXX took my order put it on a credit card and sent it to me with out my permission. I took the credit card cut it up, paid my {$87.00} balance sent the card back and asked king size to close the account. XXXX XXXX did the opposite they started to charge me late fees and other fees I tried to contact XXXX XXXX to advise customer service of my order incorrectly filled. I ordered two pares of socks for {$22.00}, I received one pare. My shipping was free however I was charged {$12.00}. This company send credit cards to citizens in an attempt to collect fees
Company Response:
State: TX
Zip: 767XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: COMENITYBANK/VICTORIA Account number XXXX Date opened XX/XX/XXXX COMENITYBANK/VICTORIA Account numberXXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX/XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX I have reached out to the companies and the credit buraus to have these fixed ive send it documentation that the credit card/ loan accounts are not mine and that the freeway funding is in error but no action has been taken to fix it. -
Company Response:
State: CA
Zip: 95127
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: a few years back my information was taken and used. I found out at the end of XX/XX/XXXXand reported and had many of the issues fixed but the few that refused to report properly to XXXX. XXXX and XXXX fixed them almost instantly. The issues im having is with XXXX/ XXXX XXXX XXXX/ comenity bank . I have already summited FTC reports to XXXX to fix the issues but they do not. I have sent letters to all the banks above with documents of the accounts not being mine and I have received no proof or reply. I am asking them to simply remove the accounts from my report or send signed documents that show I have opened these account. ( which there is non since i never opened them ) XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX XXXX ( account number XXXX or XXXX ) comenity bank/ XXXX ( account number XXXX ) comenity bank/ XXXX ( XXXX )
Company Response:
State: CA
Zip: 95136
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a BJ Perks Mastercard. It's a XXXX 's XXXX XXXX branded card that's issued by Comenity Bank. I have excellent credit and always pay my bills in full. Occasionally, I get busy and forget to pay the bill on time. It is rare that I pay late, but if I do it's usually no more than an hour or two late. Unlike most credit cards, Comenity Bank has a hard cut-off of XXXX XXXX XXXX. My complaint is about the late fees and interest that Comenity Bank charges for paying late. It is excessive and usurious. XXXX Comenity Bank charges a late fee of " up to {$40.00} '' for being late. Second, it charges interest at a high interest rate of 15 %. This is piling on. The interest charge, which is already 15 or more times the going rate of interest, is supposed to cover the cost of being late, but goes further in penalizing someone for being late XXXX Comenity Bank will charge the interest even if you're one minute late ; and to be fair, all credit card companies charge unreasonably high rates of interest ). Why then is a late fee added on top of it? And why does the late fee vary? I have no problem paying something for being late. If you're late, you're late. I do have a problem, however, with excessive and double charging. One month, I was a few minutes late and was charged interest plus a late fee of {$35.00} XXXX which was exactly equal to the balance due on the account of {$35.00} XXXX. I raised a stink about this and Comenity Bank reversed the fees because of my excellent payment history. Last month, the payment slipped by mind and I wound up paying two days late. The balance due was {$17.00} XXXX this was the entire balance ; I never pay the minimum, I always pay in full ). I was charged a late fee of {$17.00} plus {$2.00} of interest. I was charged 112 % of the balance due as a late fee. By any definition, that is excessive and usurious. My attempts to get someone atComenity Bank to understandwhat it's doing is unfair and unethicalhave fallen on deaf ears. Comenity Bank and othercredit card companiesshould not be allowed to charge such excessive amounts. It's just plain wrong.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We previously had a XXXX 's XXXX XXXX credit card that is sponsored by Commenity bank. The bills that were due XX/XX/2021 and XX/XX/2021 were not received in the mail until XXXX XX/XX/2021 due to significant problems with the mail service. The payment for both bills were mailed on XXXX XXXX so the bill for XXXX was definitely not 30 days late because the bank cashed both checks on XX/XX/XXXX. My wife and I called on XX/XX/XXXX when we discovered that the account had been suspended and spoke to a supervisor, XXXX, who was not willing to assist with the situation. We decided to close the account and authorized XXXX to pull the remaining balance, {$33.00}, from our XXXX XXXX checking account. He confirmed in the phone conversation that the balance had been paid in full and the account closed. We received a confirmation of this by letter from XXXX 's customer care dated XX/XX/XXXX along with another letter verifying that we had authorized the transfer of funds. However, on XX/XX/XXXX we received an additional bill for {$510.00} after an earlier verification that the balance had been paid in full and the account closed. My wife mailed the payment but on the same day we received notice from our identity protection that we had received two negative reports at the credit bureaus for this account. This morning we discovered that we had a credit of {$510.00}, the exact amount of the bill. A representative at Commenity Bank, XXXX, provided assistance and agreed that the negative reports were fraudulent and should never had been submitted to the credit bureaus. We requested to speak to a supervisor who after a 10 minute wait refused to speak to us but instead assured XXXX that the negative reports would be removed and that we would receive the amount in credit back in our XXXX XXXX checking account. Neither has happened and my credit score has been adversely affected over what appears to be a malicious act to intentionally damage my credit.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have repeatedly disputed two accounts for the past few months and no action has been taken on their end to resolve or dissolve this issue. It has caused so much stress and worry in my life due to the negative impact it has had which disqualifies me for many things. As as single mother to XXXX boys ( who recently lost their father ) I am running low on time to continuously battle this fight. The two accounts I have bee disputing is with XXXX XXXX as well as XXXX XXXX, both with the same lender. The amount reflected on my credit for XXXX XXXX as a charge off is : {$1800.00}. Amount reflected on my credit for XXXX XXXX is : {$3300.00} I have disputed these accounts countless times and although the companies/lender can not provide proof of my responsibility they remain on my credit file. Kindly assist me with this matter Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank XXXX XXXX is reporting lates for the months of XX/XX/20, XX/XX/20. Due to Covid, I have suffered some hardships, the majority being financial troubles. I am a very punctual and diligent person about paying my dues and debts. I however, am asking at this time for these late notations to be removed. I have been a very good customer and plan to be a great customer. Unfortunately, during that time, I went through some things. I ask that Comenity Bank takes some leniency on me and remove the lates from my credit file.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, XXXX show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with XXXX and XXXX with a XXXX balance paid in full. I appreciate your time and helping me with this.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due to the pandemic my income took a large decrease and I was not able to make a payment ontime for an account : COMENITYCAPITALBANK/ZALE # XXXX in the month of XXXX 2020 and now I have a 30 day past due for XX/XX/2020 and is affecting my credit.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Commenity bank /victoria secret is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A