Date Received: 2023-09-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX I received a call for a past due payment to which at that time I paid My account balance in full. The representative agreed to waive and late fees. Well turns out the payment applied but the late fee was not waived for the current month so when the next billing cycle came around I should Have had a XXXX balance but instead I had A balance for a late fee that I was Not aware of since I had Paid the account in full. Fast forward I was Then charged the next month a late fee on a late fee. This is absurd and unethical. I received a call from the company where the associate was very rude and refused to let me speak to a manager and also refused to let me file a complaint. I do Not understand how I can Be charged when I was Advised fees can be waived and have purposely not used my store credit card.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XXXX XXXX I received mail from The XXXX XXXX XXXX XXXX XXXX to pay my bill at XXXX for {$1400.00}. I can not pay the bill due to financial hardship and limited income. The Pandemic caused a setback and I attended school and i have the responsibility to pay tuition.
Company Response:
State: IN
Zip: 46203
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
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: The purpose of this complaint is to get a refund of the {$88.00} I have claimed was a charge in error by the waitress who said the charge was merely to guarantee that a minimum purchase would be made and that instead of modifying the first charge to include the total charge, she rang up the second charge independently. The credit card company, Caesars Rewards Visa Signature ( by Comenity/Bread Financial ) has claimed an investigation resulted in receiving information from the other side, but the credit card company is refusing to provide that response to me despite repeated requests. Here are the more specific details : I went to XXXX XXXX at the XXXX XXXX in XXXX XXXX at XXXX XXXX on the day of the XXXX games of the XXXX XXXX final XXXX ( XX/XX/2023 ). XXXX XXXX is part of Caesars Property- which is independent of the caesars total rewards credit card I was specifically told by the server/waitress that there was a minimum purchase for the seats, but that if i exceed the food/drink minimum i would not have to pay for the seats. I knew we would meet the minimum so i provided her my car and she ran the card and i signed the receipt for {$88.00} using my Caesars Reward Visa Signature ( by Comenity ). We ( my friend and I ) easily exceeded the minimum purchase and at the end of the night the waitress ran my card and i signed the receipt. It was not until later that i realized that both charges ultimately posted. I contacted the credit card company and caesars customer service and explained the issue. Caesars told me they saw two charges and they both appeared to be correct as there were two charges. Since it had only been a few days I asked Caesars to please speak with the server to verify what the server told me ( only 1 charge if I met the minimum ) so that the issue could be cleared up and that the first charge for {$88.00} could be removed and they would keep the {$200.00} charge. Caesars responded on XX/XX/XXXX that they could not reach out to the server directly. I asked Caesars that since they would not reach out to the server could they reverse the charge. Caesars responded that I was welcome to formal dispute through my credit card. Shortly thereafter I followed up with my earlier phone call to Caesars Total Reward Credit Card with a written dispute per their statement instructions. I provided the email communication with Caesars which included that they would not ask the server and that i was welcome to do a formal dispute. At first I was given a temporary credit and a letter that i would be advised of the result. I did not receive the results but i did notice that on XX/XX/2023 the credit had been removed. I contacted customer service but the representatives could not tell the results of the investigation. After a few requests, on XX/XX/2023 I finally received a copy of the letter dated XX/XX/2023 but the letter referenced that " we have enclosed a copy of their response for your records. '' However, i have repeatedly asked for a copy of what response was received from ringers or caesars considering Caesars had told me they would not even ask the server if my representation of the first charge was correct. Caesars Total Rewards refuses to provide me a copy of what was received in response from Caesars or any records supporting a decision to deny my claim -- once again, i find it hard that there could be a response since Caesars told me, in writing, they would not reach out to the server. Even though the event took place at at a Caesars Property in XXXX XXXX XXXX XXXX XXXX ) and the credit card is Caesars Total Rewards ( by Comenity ) I am not suggesting that is the issue. The issue is that the credit card company wont provide the response they received to deny my claim, and if they did receive a response, its unlikely that the response could have overcome the fact the facility would not even ask the server to confirm what i claim she told me.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I made a large payment in XX/XX/2023 to pay off my account to have a XXXX balance and to be closed. I just got a statement for the same account and it still open with fees with interest. Now they are charging me XXXX and they are telling me they can discount me {$100.00} and I will owe XXXX to bring my account to XXXX to be closed. They refuse to acknowledge I already did this and they kept my account open.
Company Response:
State: NM
Zip: 87106
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XX/XX/2019 is reporting no balance and a charge off which is gendering my credit
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
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 returned a defective laptop and was not given a refund, despite having obtained an XXXX from the merchant. I started a dispute with the store credit card issuer but the card issuer first claimed the return had not been received ( flying in the face of the merchant 's written admissions of receipt and XXXX 's delivery transcripts ), and then claimed I had already been refunded for my return ( on a date preceding my actual order date ). Card issuer is giving me the runaround and ignoring the facts of my case while adding insult to injury. Please find enclosed my full correspondence with the merchant and the card issuer. Company : Bread Financial/Comenity Capital Bank XXXX XXXX of XXXX & XXXX XXXX Credit card Date of First Contact : XX/XX/2023 Synopsis of First Contact : Provided detailed evidence of returned defective merchandise, along with merchant 's return receipt. Comenity responded on XX/XX/2023 alleging merchandise was yet to be received - ignoring all FedEx tracking results enclosed, together with merchant 's own admission of return receipt. Date of Second ContacXXXX : XXXX Synopsis of Second Contact : Provided additional evidence including but not limited to merchant 's stated intent to liquidate returned merchandise without refunding consumer. Comenity responded on XX/XX/2023 referring to a past credit predating the actual purchase of the merchandise subject to the dispute as having somehow satisfied this refund request. Merchant : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Transaction Amount : {$6500.00} Disputed Amount : {$4300.00} ( balance remaining after partial credit of - {$2100.00} voluntarily issued by merchant on XX/XX/2023 )
Company Response:
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my reply to your letter dated XXXX. You stated I was provided a copy of the " XXXX PRIVACY Policy " XXXX. What I did not receive was disclosure forms which by XXXX you are required to have on file bearing my signature giving you permission to transport my non public personal information. I am sure you can not provide the signed disclosure forms which is why you have FAILED to mention them or you simply are not informed as you should've. Your company should know or should have known this. I hope I am communicating with the employee assigned to handle Zales Privacy Issues. Are you up to par with firms responsibility to having assigned an employee that is familiar with the SAFEGUARDS RULES which is a RULE the LAW recently made a requirement for dealing with companies like XXXX Privacy Issues? Please provide signed Disclosures bearing my signature which would prove I was afforded the right to OPT in or Out of credit reporting in accordance with LAW. Please believe, I do not have a problem with your explaining to XXXX superiors why XXXX is spending {$300.00} to {$500.00} an XXXX to represent them in this matter because they can not provide signed XXXX forms bearing my signature giving my consent to report this information to the credit reporting agencies which would also cover the NOTICE requirement simultaneously. Remove this alleged account from all credit reporting agencies.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I contacted this business and asked that they credit my account {$16.00} and close my account. Per XXXX XXXX XXXX online customer service, my account should be credited 3 to 5 business days. I have attached the chat transcript. My balance should now be XXXX, but this company refuses to credit my account... I have paid all interest charges and the balance left over is from merchandise that I returned that I never received
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am past due on my balance. I missed a payment. One payment. I am getting calls all day long. Literally from XXXX to XXXX from various numbers. To the point of harrasment. At least 5-6 calls a day. This is a violation of the law and my rights. It needs to stop. This is not necessary for one missed payment.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A