Date Received: 2021-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Ny & Company ( Comenity Bank XXXX neglected to the payment arrangements made to bring my account to current status agreed upon and made in on XX/XX/XXXX. They promised to remove XXXX & XXXX finance & late fees & reverse late payment to credit reporting. They neglected to keep the 3 auto withdrawal payment arrangements made to my account : {$100.00} on XXXX, {$55.00} on XX/XX/XXXX, {$45.00} on XX/XX/XXXX. In XXXX when I reviewed my credit report I saw not only did they not remove the late fees nor reverse late payments reported to the credit bureau as promised for XXXX and XXXX. Instead in XXXX they ADDED another late fee and reported now XXXX to the credit bureau when this was supposed to be resolved. I called XX/XX/XXXX and asked again for this error to be corrected and reverse it from my credit report but rep said this wasnt in his power and would credit me some of the late fee as if it was a favor. Ive called multiple times and spoke to over 5 reps and supervisors who after reviewing notes told me the original rep neglected to set up the payment arrangement on XX/XX/XXXX so it made acct late. She promised to make a note of everything and correct my account. I am in the middle of refinancing my home so this has been detrimental to my report as Ive been denied due to this horrible and neglectful and unacceptable error especially the way it has been handled. New York & Company has done absolutely nothing to try to reverse nor resolve the mistake made on my account. Ive asked several times and disputed the late payments on my report but it has not been removed. On XX/XX/XXXX I spoke to a rep for XXXX XXXX hours it was very kind to take his time and look deeply into the note and told me that the supervisor who I last spoke to you never did anything to help the account nor noted it and the payment arrangements made on XX/XX/XXXX were mysteriously deleted by another rep with no valid reason. They told me to write theyre credit report dept to correct THEIR MISTAKE. Unacceptable. In XXXX I inquired and joined their hardship program once they made this huge error and my payment due became overwhelming. They cut off the usage of my account. Had they not been neglectful and honored the agreement which would have brought me current in XXXX, I wouldnt have had to join and would have gotten approved for my refinance mortgage! Ive asked them numerous times to send me via mail and email the terms of the hardship program and they promised to do so and even this theyve neglected to do so. The problem is they hire overseas workers who are not properly trained nor know the American customer service protocols. Your help would be greatly appreciated. I need to get XXXX XXXX XXXX reversed from my credit report and also have New York & Company credit all late and Finance fees to my account as promised. Thank you XXXX XXXX
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called to pay my last bill of a return check fee of {$29.00} which I dont feel like I should have to pay because it was a mistake I already explained that in my other complaint that has no response to. When I made the payment of {$29.00} on XXXX it was late due to the automated system did not let me pay it, it kept trying to transfer me to a live person which I didnt want to do that because they charge a fee to pay with a person. I wind up having to pay on line and there for it was after XXXX XXXX but I was trying several attempts to pay through the automated but it was not allowing me. This was supposed to be my last Bill which I dont feel like I should have to pay the return check fee or the late fee. Yall closed my card even though I was making on time payments and everything. I would really just like to be done paying this card. I have enough things going on involving my health and this pandemic I would like both fees removed please because neither of them are my fault. I dont want to have to get my lawyer involved and take yall to court.
Company Response:
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$290.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone
Company Response:
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Last year I paid off balance on my Visa XXXX XXXX credit card in full. Due to mistake from online paying services fromXXXX XXXX I still paid XXXX extra, eve though my balance was XXXX. So I called Comenity Bank and requested they send me a check for XXXX XXXX Refund. I never received that refund. I called again in XX/XX/XXXX and I was told they will send it end of XX/XX/XXXX. XXXX XX/XX/XXXX I called again and requested a check again. Again they give me run around. How long I have to wait to get my XXXX back? Is there any government agency that can make them send me refund check? They holding my money for 7 months interest free. When I carried balance they charged me XXXX percent interest. They can do anything they want while private citizen like me suffers.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$370.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone
Company Response:
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RE : VS Account Number Ending XXXX w/ Comenity Bank XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Proof Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$190.00} Check and as Stated in Settlement Letter, this Account to be Paid in Full and Credit Report Updated w/in 15 days of cashing check XXXX : Cease and Desist Letter due to Comenity Placing Numerous Repeated Calls to Work Phone XXXX : Comenity Bank Still Reporting on my Credit Bureau and Still Numerous Repeated Calls to Work Phone
Company Response:
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was not notified of a remaining charge on my account that could be disputed and am now being charged {$3700.00}. A letter was never received, and I was not called or emailed by Comenity Bank XXXX Credit Card.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've been disputing the inquiry from Comenity Bank since XX/XX/20. I did not apply or have credit with Comenity Bank.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX I paid off Comenity Bank - XXXX account - to a XXXX balance and have NEVER used their card ever again. I had both called the bank and wrote them a letter that the account had been paid in full and would no longer be used because I didn't agree any longer with their interest being charged. I thought that was the endd of it until last week. I was checking my credit report and discovered that as of XX/XX/XXXX this bank had norified the credit bureaus that the account had been closed - thus I received a XXXX point drop in my credit rating because of a CLOSED account. This account was PAID OFF IN FULL, not closed by the bank. This MUST be corrected immediately.
Company Response:
State: MN
Zip: 55446
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A