Date Received: 2022-10-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I entered into a contract to purchase hearing aides from XXXX XXXX on XXXX XXXX. {$4000.00} of the purchase amount was to be financed through XXXX which is a product of Commenity Capital Bank ( XXXX XXXX XXXX XXXX, Ohio XXXX ). My purchase agreement and sales receipt specify the contract is for 60 months at a rate of 9.99 %. Additionally these document specify this will be a monthly Equal Payment Plan. The first months statement was issued by Commentiy on XX/XX/2022 with a payment due on XX/XX/2022 in the amount of {$87.00}. That payment was paid in the amount of {$87.00} on XX/XX/2022. The XX/XX/XXXX, statement was then issued with the monthly payment due amount of {$150.00}. I XXXX mailed a letter to Commenity disputing the monthly payment amount. I furnished a copy of the purchase agreement, and receipt. On XXXX XXXX Commenity Customer Care Team sent me a letter stating they had received my letter and would be working on resolving the issue. XXXX, XXXX and XXXX statements dated on the XXXX of each month have continued to show an amount of {$150.00} due. As of today ( XX/XX/2022 ) my dispute has not been resolved. Commenity 's collection department continues to call wanting me to pay the full {$150.00}. I have continued to pay {$87.00} per month. for the months of XXXX, XXXX and XXXX. I have not been able to get them to resolve the dispute.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: For the month of XX/XX/XXXX, my credit report is showing 30 days late for all three credit agencies ( XXXX, XXXX, and XXXX ). This should not be reporting late, as it is under the CARES Act of XXXX. Which calls for accommodations for borrowers during their repayment period. I called Comenity Bank before the payment was due to notify them that it may be late as I was showing XXXX symptoms. Comenity Bank never responded to my call. When the month of XXXX had passed, the payment was considered late by Comenity. In the first week of XXXX, I filed a report with the XXXX XXXX XXXX XXXX XXXX ) to resolve this issue. Comenity Bank did respond on XX/XX/XXXX to the XXXX complaint stating, " We're sorry to hear of the impact XXXX has had on you ''. Comenity declined to remove the delinquency from my credit report.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX : Received credit card from Comenity Bank, which was a replacement card due to buy -out of original bank. I had received no notice of this change. I called comenity to confirm the reality of this, as the change was immediate... /effective that day, and to ask two important questions,1 ) Are my automatic payments on this new card going to be transitioned by the new bank and 2 ) are my saved account # 's with places such as XXXX smoothly transitioned with no action needed on my part. The answer to both questions was YES, it's all covered by us. Neither of those things was true. Ive had difficulty with both. The newest problem, which prompted this complaint, is : : : I made an online purchase before the card changed hands, and 4 days ago, sent some of the items from that purchase back to the online company. The company called me, XX/XX/XXXX, as they are unable to refund my $ XXXX as the credit card # # is declined. I gave them the new card # #, and they can not process it, can not accept it. They said this has never happened before. SOOO I called Commenity again, ( I had also complained to them on XXXX XXXX re denied card, denied automatic payment etc ) and after 10 minutes with an agent, the supervisor said I should just get a cash refund. Its an online purchase, in another state. Then there were apparently going to be some " other things '' I could try and i said clearly : : : : : : : : : : NO. Your problem, not mine. What are YOU going to do to fix this. I did nothing wrong, Im not jumping thru hoops to fix your consistent mistakes and misrepresentations. And I hung up. I have sent complaints to FTC and XXXX as well as this one to you.They have clearly misrepresented the change over process and their abilty to handle it...
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX card account was sold to Comenity Bank and New account/card were supposed to be available XXXX XXXX. But I still have no card, no account, and the " help '' phone number from comenity doesn't work. I can not pay my bill which eill.liky XXXX up my credit report. I would like to just transfer to a different bank but my initial and balance don't exist anywhere I can access! And meanwhile I have no card to use. This is a disaster
Company Response:
State: OH
Zip: 44511
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My account has not been reported to all 3 credit bureaus since XXXX. And in these 5 months I paid down my Victoria 's Secret Credit Card and paid over XXXX $ on my Ulta credit card. The lack of reporting is affecting my credit score and I need this resolved promptly.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a smile generation card with Comenity Bank. They have not updated my credit report since XXXX and it is reporting the wrong balance. I have made two request to fix this, and nothing has been done as of yet I want the correct amount reflected so my credit score will be correct. They claimed it would be updated in XXXX, this is ridiculous
Company Response:
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I applied for a XXXX XXXX XXXX store card through Comenity bank and I was approved for a limit of {$15000.00} and a promotional APR of 0 % for 18 months on purchases over {$990.00}. I made a purchase of {$11000.00} on the same day hoping to take advantage of the promotional offer. I proceeded by setting up automatic payments and signing up for paperless statements so I wouldn't have to worry about the manual process of paying my financial obligations. On XXXX, I called Comenity Bank to inquire about my credit card account balance in order to make a full payment of the remaining balance. I was given an amount of {$8100.00} which I immediately paid to settle my account down to a XXXX balance. Comenity Bank recorded the payment on XX/XX/XXXX and prior to them recorded the payment, the assessed an accrued interest of the original principle amount of {$3700.00} on XX/XX/XXXX. I have been explaining to them that I was under an 18 month 0 % APR promotion as stated clearly on Floor and Decor 's website. Comenity Bank is claiming a different agreement term of 12 months which contradicts Floor and Decor 's promotion. I have fulfilled all my financial obligations with regard to Comenity Bank and I am not responsible for any human error of their part that may have led to them assuming that I was on a 12 month deal. The only reason I knew how much that I owed them in the amount of {$8100.00} is because that is what their representative told me and I could equally see that only. I would not have proceeded with making my full payment if I knew they were going to charge me interests much sooner. Comenity Bank needs to cancel the interest charges and refund me for the additional interest autopayments taken out of my bank account.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone opened credit card in my name. Comenity Bank Credit card and purchased merchandise from The XXXX XXXX.
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made on time payments every month on this account. On XX/XX/2022 I paid the full balance of {$6100.00} which would zero out my account. This company has not been reporting my payments from XX/XX/2022. I called them on XX/XX/2022 and was told that they report after 45 days and to contact the bureaus. It has been 4 months since the last update which was in XXXX. I have filed disputes through all the credit bureaus and I am waiting for a resolution. This has been happening to everyone else as well.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They called me every day all day long. They call on weekends starting at XXXX. Even on Sundays they start calling. At one point they were using a private number. I am paying for the XXXX XXXX already and this was supposed to be their bank cc. So who am I paying them or the company straight out. The company takes out a payment once a month already. This constant harassments is getting ridiculous .... XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is some of the numbers they call from.
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A