Date Received: 2023-03-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Same complaint as # XXXX Comenity Bank has yet to actually resolve this case. XXXX Bank sold my credit card account to Comenity BAnk in XX/XX/XXXX. I made a payment of {$920.00} to XXXX on XX/XX/XXXX. That amount was trasnferred to Comenity per XXXX and Comenity claims to have credited to an account in the name of XXXX XXXX account number ending in XXXX. That is not me, I do not know who that person is and I would like my money refunded immediately. I have provided everything in writing to Comenity bank multiple times as well as to XXXX Bank.
Company Response:
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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: I am writing to dispute the late fee and interest scam that continues with XXXX and Comenity Bank. I opened a card account and made purchases at the XXXX XXXX XXXX in XX/XX/XXXX. I received a card statement and I immediately sent check XXXX XXXX on XX/XX/XXXX in the amount of {$60.00} for those purchases. Then my Comenity Bank card statement came XX/XX/XXXX with a late fee of {$30.00} stating my check was not processed until XX/XX/XXXX. The card statement for the {$60.00} was immediately paid and there is no reason why it took 20 days to receive and process the payment. I am not responsible for their incompetence and they had no right to charge me a bogus {$30.00} late fee. I paid the XXXX card statement of {$26.00} ( {$56.00} minus the {$30.00} bogus late fee equals {$26.00} ) with check XXXX XXXX posted XX/XX/XXXX. XX/XX/XXXX, I received a card statement charging me a late fee of {$37.00} and {$2.00} interest on top of the {$30.00} late fee I refused to pay on the previous statement. This statement claims the payment was not processed until XX/XX/XXXX, so once again it took 20 days for them to receive and process my payment. I called customer service and talked with XXXX regarding these issues and he stated he removed the {$39.00} ( late fee plus interest ) charges from XXXX but could not remove the {$30.00} previous late fee because it was under dispute. I explained the Credit Card Agreement is no longer valid because of this late fee scam, that I have cut up my Comenity Bank card and returned it to Comenity Bank and will never again shop at XXXX. I insisted that all charges be removed from my account but he stated he could not do it. He passed me on to XXXX who was extremely rude, blamed the mail service and refused to discuss my concerns. XXXX passed me on to XXXX who was even more rude and he again blamed the mail service for late payments. I explained I sent in the payment the day I received the card statement and my payment should not have been received or processed as late. He stated the conversation was not productive and hung up on me. XX/XX/XXXX I received a card statement charging me another late fee of {$37.00} and {$2.00} interest. They claim the refund for {$37.00} and {$2.00} was made on XX/XX/XXXX ; however, on XX/XX/XXXX they charged a late fee debit of {$37.00} along with a {$37.00} late fee on XX/XX/XXXX and another {$2.00} interest charge on XX/XX/XXXX. That is two late fee charges in one month! This statement claims I made purchases of + {$37.00} for a new balance of {$100.00}. I have cut up my card and returned it to their offices, l have told them repeatedly I will make no further purchases or step foot in XXXX XXXX again so I had made no purchases of + {$37.00}. My dispute letter was sent XX/XX/XXXX, so this has gone on over two months. They continue to harass me with more late fee and interest statement charges. I claim they purposefully wait until after the payment due date to process my payment and are running a late fee and interest scam. This scam violates the Credit Card Agreement ; therefore the Credit Card Agreement is null and void. I will not pay any and/or all past, current, and future late fee and interest scam charges.
Company Response:
State: MN
Zip: 56601
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Around XXXX of XXXX there was a promotion to sign up for a XXXX Credit Card issued by Comenity Bank , the promotion was that if you made a purchase within 90 days of opening your account they would give you a {$50.00} XXXX XXXX XXXX XXXX I still have the email saved as evidence for this offer. After getting my card and making my first purchase within 90 days I waited approximately 8 weeks before reaching out regarding my store code. I was told that their systems were updating and that they would add the points to my account soon so that I could redeem them for my {$50.00} store code. 4 weeks later I reached out again because I still didn't have my points, I was told the same thing as before, their systems were updating and hopefully my points would get deposited soon. In XXXX of last year I finally got a letter in the mail saying that the update was done and that points would start to be added, I was notified that my points were added yet when I went to check it was nowhere near enough to get a {$50.00} store code, I was given around XXXX points and a {$50.00} XXXX XXXX card is closer to XXXX points, so I was missing quite a few points. I called again and was told once again that the system was updating. At this point I made a complaint with the XXXX XXXX XXXX about a month later I received a letter from Comenity apologizing but still not doing anything. I am fed up with this company
Company Response:
State: ID
Zip: 83704
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity bank continues to call more than 10 times a day I find this the most harassing from a company that has took over an account that has put this on my credit report 3 times for 1 account with 3 different amounts owed
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX XXXX Credit Card through Comenity Capital Bank. This card was opened fraudulently by my ex-wife ( without my permission ). She charged over {$2000.00} right away. I tried to keep up the payments when we divorced but the finance charge of 30 % and the monthly penalty charges made it impossible to make any advance on the balance. The bank has more than doubled their investment and all the balance is now is finance charges and late fees. I feel this bank is a " payday loan '' facility in the astronomical charges and fees. I tried to work out a deal with a flat fee and they are not interested. I feel this company needs to be investigated. Thank you
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My credit card was registered on XX/XX/XXXX so my account possibly could have been opened a few days prior. And when I check my credit report It shows It has been open since XX/XX/XXXX. Also when my credit card was bought from a collection agency the total amount was at {$4300.00} and on the credit report It is showing {$4600.00}.
Company Response:
State: TX
Zip: 77590
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received an email stating " congratulations on your new card, we will be sending it to you shortly ''. I researched the company and saw that Comenity had a lot of complaints and that the card that they were trying to send me was for XXXX XXXX ( which turns out to be a camping/outdoors store ). I would never need this type of card and did not request an account. I then received the email stating that they were mailing it to me and reached out to The XXXX XXXX XXXX XXXX XXXX issued by Comenity Capital Bank. I refused to give my social security number or verify my mailing address and the representative stated they could not help me. The representative stated he could tell me that yes I did have a new account and a card being sent but that was all he could share. About a week later I received the card in the mail. As of today ( XX/XX/23 ) it has been reported as a new account with the credit bureaus.
Company Response:
State: TX
Zip: 76126
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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: I contacted Victoria Secrets ( Commenity Bank ) about making a payment. I made the payment. The payment was not successful. The company did not contact me about the payment. This was reported as a late payment to the credit bureaus.
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This tradeline needs to be removed. A JUDGE declared iM Court that I am no longer responsible for this account. This was orginally a victoria secret account, then sold to XXXX XXXX and then to commentity bank. It was dismissed making me no longer liable for account
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2023 To whom it may concern : 12 months ago, I went to BJs in XXXX, NH and filled out an application for a BJs Mastercard at their service desk which I left with them to forward. Several weeks went by and I hadnt received my card, so I went to BJs service desk and told them. They replied, sometimes it takes a while As time went by, I forgot all about the card and never perused the matter. On XX/XX/2023 I received a statement from XXXX XXXX XXXX XXXX XXXX, a debt collector, stating My account with Comenity Capital Bank BJ, s had been turned in for collection in the amount of XXXX. I called XXXX and was told that a card was issued in my name and a XXXX fee was charged initially and the balance was late fees, etc. I told them that I had never received the card, I never had placed a phone call activating the card and never received a statement in all that time. I received no satisfaction. Looking for some help in this regard. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A