Date Received: 2021-02-22
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I had various credit cards with Comenity Bank. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount. under the requirements all of my accounts that were originally with Comenity Bank, were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were Zales , XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX well, they had the misspelling of my name in a couple of the accounts zales and XXXX. They fixed the name on the XXXX and never the zales account. the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me. i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!
Company Response:
State: CO
Zip: 80109
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up automatic bank payments through my bank, and paid two weeks early for the XXXX payment. Rather than credit the month of XXXX, the credit card company credited both payments to XXXX, then called me and said I was late making the XXXX payment. They refused to credit the {$180.00} ( which is well over the minimum amount due ) and said I would need to send them another whole payment for XXXX. I was upset, to put it mildly. The long and the short of it, rather than credit my payment for XXXX, I had to ask them to refund the payment to me and now I will have to send them another payment ( ridiculous ) and have my account show a late payment. They did not tell me that if I paid early my payment would only be credited in the month paid. I want this company censured for their lack of financial astuteness and failure to be consumer friendly. This is Comenity Bank credit card XXXX XXXX, Texas Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank - they call no less than 5x a day, have contacted my husband several times, my sister-in-law, my mother-in-law, etc. I have asked them several times to quit calling other people to contact me, I've also sent documentation showing the account as paid and the debt not owed. PLEASE HELP ME MAKE IT STOP! They are ruining my relationships and my reputation.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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 recently received a closure to a complaint filed on XX/XX/XXXX with Consumer Finance. Complaint # XXXX I have been disputing the allocation of payments made to this Credit card company since early XXXX It is important to note, any amount received in excess of the minimum payment requirement is to be allocated as prescribed by federal law. The law requires that payments in excess of the minimum payment requirement be applied first to the balance with the highest annual percentage rate. The Company indicates the payments were applied according to the practice of making any payment amount exceeding the total of the minimum payment requirements for each balance to be applied to the promotional plan with the closest expiration date. HOWEVER, The promotional plan they applied those Federal law required payments to DOES NOT EXPIRE UNTIL XX/XX/XXXX The billing cycles they stole my payment from is 7 ( SEVEN ) Months prior to the last two billing periods ... They applied these payments back in XX/XX/XXXX. So that's nearly 9 months prematurely that they have applied the excess payments. They have in their own explanation given to Consumer Finance violated the federal law, and every consumer protection afforded me. I want my money applied correctly. This is not satisfactory to close my complaint ... I'm issuing further investigation into this fraud committed by Comenity Bank. And where is the resolution for the XXXX $ that was re-allocated on my XX/XX/XXXX statement fraudulently? Comenity Bank stole money from a 30 % interest balance and applied it to a 15 % balance that I owe. This too I had included in that dispute. Where is my money? I placed a call to Comenity Bank on XX/XX/XXXX @ approx. XXXX. Internally they are opening a dispute because according to the person I spoke with said funds were re-allocated in an " improper manner '' ( code for illegal manner ) But here we are. Still allowing Comenity Bank to steal from the consumer. According to this representative, re-allocation of payments are not allowed, however when asked to explain the XXXX re-allocated funds that benefit Comenity by allowing a greater balance to the 30 % interest baring balance, she had no explanation. This type of inconvenience is appalling. It should never be allowed to be taking place here in the USA. It's despicable really. Shameful that we have to fight this hard for big banks to do what's right and abide by Federal law.
Company Response:
State: MD
Zip: 21225
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Comenity bank-financed my dental financial account. I recently learned that they took {$200.00} off my credit limit and took away the nearly {$600.00} of available credit that I had. My account is current their excuse was that it was due to my other credit accounts being past due. But I have recently made payments on these accounts but they haven't been updated yet. My bank closed my checking account on XX/XX/2020. This is why I was behind in making these payments. I am being punished by Comenity by losing my credit limit and even though my account is current with them they are still punishing me by taking {$200.00} from my credit & taking away the nearly {$600.00} of available credit I had leaving me with only {$5.00} There is always some mental strain being put on me through no fault of my own. And I get punished for it. This virus pandemic has caused a lot of financial problems. But to punish someone by taking away their credit because of a virus pandemic & raising their payment all through my account is current with them is not fair.
Company Response:
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response:
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On XX/XX/21 I used a phone number that I googled and believed to be the Wayfair credit card payment line to pay my recent credit card bill. I made the payment and was told I would receive a statement of the payment, but it was never sent. On XX/XX/21 I received a suspicious phone call saying that my transaction had not been completed and that I still owed them my bill. When I called number listed on my bill, I was told that my account was now overdue and was not directed to a customer service representative to resolve the issue. I am confused because each time I call, I have a different answer. They either say they can't find my account or that I owe a debt. I also don't understand why I can't get a customer representative to help me. When I was able to find one on XX/XX/21. I feel that I have been scammed. I don't know if my information was stolen or if there is a glitch in Wayfair 's system
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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 had made a purchase for {$1000.00} even on my credit card for a ring I had for my mom on XX/XX/2019, I returned the ring, and was supposed to get refunded the amount for the {$1000.00} even on XX/XX/2019. I have the receipt in hand stating that I bought the ring, and returned it for the full amount four days later but the credit card company is saying the sore never refunded my account, and the store which I made the purchase from says they did. Ive been trying to get this resolved but they just keep blaming each other sending me back and forth. Ive sent out emails to the credit card company about the receipt, Ive sent them the actual receipt through USPS and they havent done anything to resolve my problem. I dont want to pay for something I dont have at all. If you can please help.
Company Response:
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Comenity credit card closed my XXXX balance Visa card because I duped not make payments on my student loans which are in deferment due to the pandemic. They refused to accept I am a government employee who has student loans that are NOT in bad standing and refused to provide me a reason why they took this erroneous action. Further a disputed account that was removed was utilized as well when I asked them why if it was disputed I did not receive an answer. I was disconnected several times and representatives were uncaring and calloused in how they responded. I was advised I had no recourse despite the error made.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A