Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it may concern I sent a dispute letter to XXXX on XX/XX/XXXX via certified mail with a return receipt. Informing them about a comenity bank account reporting inaccurate information on my credit report. Comenity bank was reporting a / XXXX account on my credit report that they sold to XXXX XXXX XXXX XXXX back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that this account should have been deleted. XXXX refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave XXXX written consent or permissible purposes to report any account on my consumer report.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my entire balance of my Express credit card on XX/XX/XXXX. I did not receive any bill stating that there was {$6.00} interest charged on the next month for the previous balance until XX/XX/XXXX which was already over 30 days past due. I have tried to call the express card company Comenity Bank 6 times and can not get a live person. Every time the line disconnects when the automated system says its trying to transfer me to a live representative. I need to understand why I was charged interest on a balance that was paid in full and why I wasnt sent a bill or received any calls from them advising a payment was missed until it was past 30 days overdue.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, Comenity bankXXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A, section states a consumer reporting agency can not furnish an account without my written permission. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted XXXX XXXX due to a fraudulent reporting on my credit as a charge off for this unknown account. XXXX XXXX stated over the phone, I spoke with XXXX, stating how there is no accounts connected with my social security number so that means someone is reporting fraudulent information on my behalf. This is disastrous to my well-being and my future plans. I am in school trying to apply for a new apartment and I was denied due to incorrect information reporting through XXXX.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX {$500.00} Purchased with in store credit card offered at Ulta Beauty with Comenity Bank XX/XX/XXXX Called Credit Card to repot that a statement had not been received and make payment for the complete balance XX/XX/XXXX Comenity Agent took payment and removed late fees/interest one time due to statement receipt issue XX/XX/XXXX {$3.00} interest charge was added to the account without my knowledge or agreement ( apparently as daily interest, without informing me at the time of payment ) - No additional purchase had been made since XX/XX/XXXX ( balance paid on XX/XX/XXXX ) - Comenity continued to charge interest and late fees on this {$3.00} interest charge in XXXX and XXXX. - XXXX - after realizing what was happening, I contacted a bank supervisor to inform of problem, they reviewed phone conversations from XX/XX/XXXX and confirmed that no information was provided regarding additional late fees to be charged after full payment was made on that day. Supervisor was to review with management and seek credit to close issue. - Called back XXXX more times and was told after another review they can not help and that would still be responsible for all interest and fees, however they would again escalate to Sr. Management - Called back on XX/XX/XXXX- they still would not waive these fees but offered a {$10.00} credit, I reluctantly agreed only to close the issue and I paid the balance. Agent said wait XXXX for statement to reflect XXXX balance. - Called back on XX/XX/XXXX to confirm XXXX balance and learned I was charged another late fee and interest for XXXX - unbelievable! I maintain very good credit and pay bills on-time each month. What this company is doing needs to be investigated. Although this is a small amount, the premise surrounding the charges is extremely egregious and misleading. If this is happening across all of their customers, they are fraudulently misleading and profiting from the public.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I visited the Comenity website to pay for my XXXX credit card balance. In order to make electronic payments the website is requiring me to consent to E-Sign and electronic statements to have access to pay my bill online. I do not wish to have electronic statements. This is a new card and I was not told in my disclosure that I could not pay my payments electronically without consenting to estatements. I will potentially have a late payment on my account because now I have to mail a check payment. I believe this is a UDAAP violation as e statements may cause late payments where cardholders will be charged fees they would not get otherwise. I also believe this could be a violation of Reg E, Reg Z and e-sign rules to combine these agreements and consent in one decision for the cardholder.
Company Response:
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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: On XXXX, an unauthorized order was placed through XXXX for {$580.00}, onto my Sony Visa Card managed by Comenity Bank. Consumer received an email along with an order number from XXXX indicating that an order had been placed through order number XXXX. Consumer contacted the merchant, XXXX responsible for the unauthorized charge to dispute and remove the charge and credit back my account. According to XXXX, the merchant stated that the order number XXXX did not exist and the merchant stated that an order that did not exist would not be able to be cancelled! Yet, my credit card was charged by the merchant. After Consumer made an attempt to ask the merchant to remove the charge and cancel order XXXX, Consumer received an email indicating that the order was active but shipping was delayed. Therefore, Consumer contacted the merchant again to cancel the order and/or remove the charge/s from my credit card account and again, merchant insisted that the order was not a valid order. Due to the fact the merchant denied charging my credit card and denied activating the unauthorized order, Consumer contacted Comenity Bank to dispute the charge being fraudulent and unauthorized. Comenity Bank stated that the charge would be removed and disputed with the merchant. However, on XXXX the merchant that was under dispute re-applied the charge {$580.00} back to the card that was closed under account number XXXX. As a result, the charge was applied and transferred over to the new card under account number XXXX that was activated on XXXX unexpectedly and without my authorization. ( Please reference Exhibit D-3 ) Under the rules of the Federal Trade Commission ( FTC ) , federal Mail, Internet, or Telephone Order Merchandise Rule applies to the following : If you cancel the order before it ships, the order must be cancelled and a full refund must be issued back to the buyer or consumer. If theres a delay shipping your order, the seller has to tell you and give you the choice of either agreeing to the delay or canceling your order for a full refund. On XXXX, Consumer contacted the Federal Trade Commission ( FTC ) online website, A businesses can not send merchandise you didnt order and then charge you for it. That means you dont have to pay for goods you get and that you didnt order. ( In this case, Consumer didnt authorize the order and when Consumer found out about the order that was apparently applied to my account. ) FTC continued to state, By extension, if you have canceled your order and the vendor acknowledged the cancellation, the same would apply ( In this circumstance, Consumer attempted to cancel the order with the merchant directly on XXXX. ) FTC further explained, You dont even have to return such merchandise, it seems, and can hold on to it as a free gift. Sometimes, sellers might send you a free gift or sample. Or a charity could send you a gift and then ask for a donation. You can keep such products and dont need to pay for them. By law, companies cant send unordered merchandise to you, then demand payment. That means you never have to pay for things you get but didnt order. You also dont need to return unordered merchandise. Youre legally entitled to keep it as a free gift. Sellers can send you merchandise that is clearly marked as a gift, free sample, or the like. And, charitable organizations can send you merchandise and ask for a contribution. It's your right to keep such merchandise as a free gift. Consumer contends that merchant XXXX is operating business through deceptive tactics and therefore, in violation of consumer rights under the Federal Trade Commission rules and/or regulatory statutes. XXXX admitted to the Consumer that the order DID NOT EXIST yet, email from XXXX stated that the order was processing and on XXXX charged Consumers credit card account in the amount of {$580.00}. Although XXXX claimed order # XXXX did not exist, XXXX charged Consumer {$580.00} on XXXX. Furthermore, merchant sent an email correspondence to Consumer on XXXX, at XXXX ( XXXX ) stating that order # XXXX was deemed DELAYED NOT YET SHIPPED! confirming that the order did exist. ( Please reference Exhibit A-2 ) XXXX has a policy for consumers that if any order from XXXX HAS NOT YET SHIPPED, THE ORDER CAN BE CANCELLED UPON REQUEST BY THE CONSUMER. ( Please reference Exhibit A-3 ) On XXXX, at approximately XXXX ( XXXX ) the Consumer responded to email sent from XXXX requesting from XXXX to cancel the order that XXXX referred to as nonexistent order during live chat between the Consumer and merchant, XXXX. Approximately 5 hours after the live chat conversation ended, at XXXX ( XXXX ), XXXX sent the Consumer a follow up email indicating that the order was now preparing to be shipped. ( Please reference Exhibit XXXX ) At XXXX ( XXXX ) XXXX sent Consumer a second follow up email indicating that the order XXXX had shipped and that package will arrive tomorrow ( XXXX ). ( Please reference Exhibit C-3, and C-4 ) At XXXX ( XXXX ) XXXX sent XXXX a third follow up XXXX showing a Final Invoice with a charge of {$580.00}. ( Please reference Exhibit XXXX ) On XXXX, XXXX applied charge/s to Consumers SONY VISA CREDIT CARD ACCOUNT {$580.00} XXXX XXXX, despite Consumer requesting to cancel the order with XXXX prior to package being shipped. ( Please reference Exhibit D-3 ) As a result, Consumer filed a claim with Comenity Bank to dispute the charge/s of {$580.00} with XXXX The Comenity Bank Fraud Department Intake Representative, identified himself as XXXX, stated to Consumer that Consumers Sony Visa Card account XXXX will be closed effective immediately and that no charge/s will be able to apply to the closed account. On XXXX, XXXX sent XXXX a package with a follow-up email at XXXX ( XXXX ) stating that Package has arrived! ( Please reference Exhibit XXXX ) On XXXX Comenity Bank re-applied charge of {$580.00} without explanation and/or without result finalizing dispute opened on XXXX. Even though, Consumer disputed the unauthorized charge/s with Comenity Bank XXXX XXXX recharged Consumers closed account {$580.00}. Merchant, XXXX and Comenity Bank deceived and mislead the consumer on many instances. XXXX misconduct violates Consumers Rights counteracts the fairtrade between merchant and/or consumer. Comenity Bank failed to enforce policies that govern the financial banking dispute process/es. Counter acting Comenity Banks own policy/ies and/or business practices corollary harbors suspicion in Comenity Banks moral and ethical standards of conduct. The dissension and internecine discord not only casts doubt in the integrity of Comenity Bank but concomitantly violates Consumers Rights under the Federal Trade Commission and the rules governed by the Fair Credit Billing Act of 1974.
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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: Unfortunately, I've had to request a return XXXX for my deposit from alpheaon ( XX/XX/23 ) and ( XX/XX/23 ), but I've yet to receive it, they failed to advocate for me and stated that I have to pay the balance with them because the issue is with the provider and not alphaeon. I made the request for refund many months before the " planned '' XXXX date ( XX/XX/23 ), but the provider seems to refuse to refund the deposit for a treatment I never received. I filed a dispute with the credit card company, but it yielded few results because the provider stated that the deposit is " non-refundable '' which I never agreed to this policy. During the virtual meeting, the XXXX was very pushy about scheduling a XXXX date and placing a deposit, the visit was conducted via XXXX, and he never mentioned that the deposit was non-refundable. I've attempted to contact the provider through text, but he hasn't been cooperative. I never signed any agreement accepting that the deposit I made will be non-refundable. I'm urging for things be resolved professionally and quickly, Additionally, his {$4500.00} charge for a video XXXX call regarding his opinion on procedures he believes I should have for my face is truly disheartening and should not cost {$4500.00}. It's a difficult situation to be in, and I've sought out various authorities to try to rectify it and gain help on fighting a physician with more money and power than me. The XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX website : XXXX please be careful when researching thank you
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Ulta Rewards World MasterCard account was opened using my private information. I never applied for this card {$500.00} has already been charged to this fraudulent account!
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A