Date Received: 2024-01-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was not able to use rewards as I earned them since XXXX. Now, all the rewards I could see but not use are missing from the account. There is no transaction history that shows the amount that is missing, so I didnt use them nor did someone else somehow gain access to them and steal them from my account. Comenity bank has just deleted them, even though the earnings show up in my transaction history.
Company Response:
State: ID
Zip: 83815
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: According to the terms and conditions of COMENITY BANK, I submitted a billing error notice and COMENTIY BANK has yet to respond, which is a violation of federal law. COMENITY BANK has not mailed or delivered written acknowledgment of receiving the billing error within 30 days of receipt. The billing error notice requested clarification of the disputed amount including documentary evidence. Attached is a copy of the billing error notice, billing statement of disputed amount, and the certified mail receipt.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Actions taken were reached out to Dell Finacial services to have them update correct balance put in multiple disputes with XXXX XXXX and XXXX. Corrected at XXXX and XXXX. XXXX has refused to update correct data
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on XX/XX/XXXX for {$6300.00}. It still hasnt been applied to my credit card balance as of XX/XX/XXXX. This is my Caesars rewards credit card issued by Comenity Bank. ( It was however deducted from my checking account and cleared my checking in XX/XX/XXXX ) I make my payment in full each month and have since I opened this card in XX/XX/2022. The balance is usually {$5000.00} to {$10000.00} each month. I have never had a payment returned as NSF etc. this is my typical payment pattern. Whatever the balance is I pay it in full. XXXXI called my issuing bank and my payment of {$6300.00} was deducted from my checking account on XXXX XXXX If the funds have already been removed by my issuing bank how is it legal for Commenity bank to not apply the payment as a credit to my account as of XX/XX/XXXX? My credit card was declined at a restaurant on XX/XX/XXXX and I called and was advised payments can take 7-10 days to post. Ive never had a payment take that long to post. I believe even the VRU states if made by this time it will be applied same day and after XXXX next business day. I called again several times. I called today and spoke with someone who provided false information. I asked to speak with a supervisor. I spoke with XXXX XXXX who really didnt know why the payment was not applied yet. I then spoke with another supervisor named XXXX and he didnt know either. He said it could be due to holiday. Im not sure what holiday he would be referring to. The payment was made on XXXX XXXXThursday next business day Friday then Monday XXXX and today the XXXX.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XX/XX/XXXX I reported a fraudulent charge for an XXXX subscription on my VISA credit card to XXXX XXXXComenity/Bread Financial . They took care of the fraudulent charge and issued a new card and number. XXXX XX/XX/XXXX the fraudulent charge happened again. Exactly as explained above. The CSR that I spoke to at Comenity told me that thats just the way a reoccurring charge works. I asked how could a reoccurring charge happen again when all credit cards were canceled and re-issued with new numbers. She explained to me that is how she experiences these things. I explained to her that if I miss a letter or number on any credit purchase the system kicks it back and wont let me complete the purchase. Which person is correct? Myself or Comenity Bank CSR. I have had too many fraudulent charges, canceled cards, re-issued cards through Visa, XXXX XXXX Comenity, and Bread Financial. Something is going on within one of those companies, and each points me towards the other. it seems to me that I have been contacting the fraud department at Comenity every time. That is the phone number I have. That is who I am directed to call by the other two entities. I believe Comenity is allowing fraud perpetrators to use mine and others credit card information for purchases. Its either unknowingly or within their company. I think everyone should be on the same page and by filing this report I hope theres a better understanding. It is my prerogative to change credit card companies I understand, so I have locked all my credit cards and in the process of looking at other companies.
Company Response:
State: IN
Zip: 46140
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Comenity bank is misleading with their zero-interest promo, with the sole purpose of making customers ignorant and making Comenity bank more money. Plan 1, XXXX Signed up for XXXX interest promotion for XXXX XXXX with Comenity Smile XXXX. I trusted this banking institution that my payments as charged would meet the balance at the end of the promotional period. I looked at my statements and it showed the promotional plan with the minimum due for that plan, this amount matched the minimum due every month. Plan 2, XXXX Different family member required dental surgery, signed up for different plan. I once again trusted that my minimum payments with the addition of this second plan still met the total required to pay off the plan balance by the end of the promotional period. XX/XX/XXXX XXXX XXXX My balance and payment have more than doubled. Turns out my minimum payments did not meet what should have been required to pay off the plan balance by the end of the promotional period. And the responsibility is placed on the consumer to figure this out, because this is not explained in your statments. Shows you the numbers, but they don't honestly reflect the minimum payments that should be required in order to cover the balance.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have requested STOP through their opt out service at least five times and they continue to contact me via text. Needs to stop.
Company Response:
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I just logged into my XXXX XXXX XXXX credit card and was shocked to see that I have been charged {$2100.00} in interest charges! Mind you, for the last several weeks I have been waiting for a balance transfer to get processed as my promotional interest rate of 0 % was ending last month with XXXX XXXX XXXX. Therefore, I did a balance transfer to XXXX XXXX but the check was sent to the wrong address ( per the chat agent from XXXX XXXX XXXX ) so I had XXXX XXXX stop payment and reissue the check. Turns out the address was correct after all because XXXX XXXX XXXX cashed the check of {$2500.00} and then returned the payment the same day on XX/XX/XXXX. XXXX XXXX has since reissued a new check to a different mailing address the XXXX XXXX XXXX agent provided me and I am awaiting this check to get processed to close out this account. I have been in communication with XXXX XXXX XXXX via phone calls and sending them emails to get an update as to why I was also issued a returned check fee of {$30.00} when their company provided me the incorrect address to begin with. They allege that a " return payment fee applied to an account when a payment is returned due to insufficient funds in customer 's account or customer 's credit account is linked to an old or incorrect checking account. The returned payment fee can not be removed unless it was caused by an error at your bank. '' I have always been on autopayment and this error was not due to any of the reasons they provided above, but because of the incorrect information they provided for the mailing address. In addition, last month I attempted to make 2 payments which were both rejected. XX/XX/XXXXXXXX was an autopayment for {$89.00} which was refunded to me on XX/XX/XXXX. The 2nd payment from XXXX XXXX was paid and returned on XX/XX/XXXX. The next day on XX/XX/XXXXXXXX XXXX XXXX XXXX then charged me a {$30.00} returned check charge. Then on XX/XX/XXXXXXXX I made the usual autopayment of {$86.00} like I had been doing for the last almost 2 years. I have attached the latest statement which now includes a predatory interest charge of {$2100.00}! This is insane and I can not afford to pay this extra charge! I have paid on time every single month since opening this card in XXXX. Had XXXX XXXX XXXX confirmed and provided the right mailing address to begin with, I would have left the 1st mailed check as is and not cancelled it because it was obviously mailed to the right address and cashed and then ultimately returned. They should be able to provide chat records as proof that they gave me incorrect information when I asked several times to confirm the mailing address last month prior to mailing out the initial check. Now, I have been charged a returned check fee and an astronomical interest rate fee of XXXX near the current balance that I owe. My statements for XX/XX/XXXX, XX/XX/XXXX, payment history excel sheet, and the copy of my emails to the billing department are attached. Please help me! I am a federal employee who should not have to pay an extra {$2100.00} on top of the current balance of {$2500.00}. Thank you, XXXX XXXX
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this request to CB/VICSCRT that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this request to CB/XXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A