Date Received: 2022-08-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I applied for the XXXX XXXX XXXX card through Comenity Capital Bank. I was approved, issued the card and have used it for multiple dentist visits successfully - now with a {$2600.00} balance as expected. I have tried to create an account online and failed. I've tried to use their " XXXX XXXX '' portal without success. I have called every day for two weeks trying to make a payment over the phone. Each time, I am told " our system is down, let me connect you to someone who can help '' which leads to them hanging up on me. Simply put, I NEED to pay this card off and delete my account with this bank. I'm reading online how everyone is experiencing the same issues and I'm not sure how to proceed here. I'm feeling rather trapped.
Company Response:
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with The Fair Credit Reporting Act XXXX account COMENITYCB/Victoria XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: First off on the IKEA site if you wish to make application for an IKEA credit card ( which is a commenity bank credit card ) the message is the site is under construction and application needs to be made at an IKEA location. I drove to IKEA and customer service was not able to take an application. I took care of it via a phone call to commenity while I was at the IKEA store. I told them I had a freeze on my credit reports and they needed to contact me on the phone number to confirm my identity. I was told they did not do this and I needed to remove the freeze. I made application on XX/XX/XXXX. I removed the freeze with an end date of XX/XX/XXXX. ( FYI the freeze is still removed as of XXXX XXXX 2022 ) On XX/XX/XXXX I called Commenity bank to hear if the application had been approved and to let them know the freeze was going to be reinsatlled the following day. They were unable to give me a status on the application. My scores were well over 800 at the time. 100 percent of full payments made on time for all of my accounts over the past 25 plus years. I received a letter stating they did not approve the application due to inabiility to verify previous credit report. letter was dated XX/XX/XXXX. They NEVER ran a credit report with XXXX so how can they deny the application? I made 9 calls to commenity XXXX XXXX XXXX and was on hold for over half an hour each time trying to get this corrected
Company Response:
State: MI
Zip: 48067
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have a card with Ulta/Comenity bank, I have not made a purchase on the card since XXXX and turned my card off I believe in XXXX I have paid hundreds of dollars worth of payments and my balance has gotten higher saying that I am paying late fees despite paying on time, the payments are not processing. The minimum payment and the late fee are very suspiciously the exact same amount which is XXXX out my payments. Recently my limit was increased despite my card being shut off. In XXXX I called to ask where my payments were going because I was not making purchases as my card was shut off, and they said since I was making the minimum payments that the payments were useless. Last month I tried to make my payment and the website said this account is inactive or blocked and didn't allow me to make a payment. Today I went to double check to see if I could try again to pay and my account is mysteriously active again without my permission. I also have an even larger late fee and even more finance charges because the account wouldn't let me pay last month. My balance is now INCREASING despite NOT USING THE CARD SINCE JANUARY AND MAKING SCHEDULED PAYMENTS FOR SEVEN MONTHS.
Company Response:
State: NH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with The Fair Credit Reporting Act XXXX account XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My store credit card was stolen and used at a store on XXXX and XXXX. The store has the criminals on video making the transactions. I never authorized anyone to use the card. The criminals used the card to the maximum credit limit. I reported the theft of the card. Comenity should speak to the store security manager.
Company Response:
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenty website and account access still down. It has been over 2 months since they claim they are in the midst of a system update and I literally can not make a payment. There are hundreds of people complaining on Comenity XXXX XXXX page. Comenity is reporting me now as 2 missed payments when it is their fault that we can't make payments and my XXXX score has gone from good to poor. This is making it impossible for me to lease space for my XXXX XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I applied for a XXXX credit card from Comenity Capital Bank to get a first-purchase 25 % off deal several month ago. I got a letter from them, which asked me to submit personal information to check my eligibility for credit card. I replied to the mail based on the instructions from the letter and got a XXXX credit card on XX/XX/2022. When I tried to purchase an item on the XXXX website on XX/XX/2022 several times, the transactions failed every time. As I contacted the Comenity Capital Bank customer service team, they explained that my credit card had been opened as a fraudulent card, and you could not use it, then she added that the only way to use the card was to reapply another card. I was embarrassed since I correctly submitted the information, and there was no reason to have a fraudulent card opened. I can access my XXXX credit card online account without any issues and there is no information on the fraudulent card issues.
Company Response:
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a XXXX XXXX card ( ending in XXXX ) which I closed after paying it off in full in early XXXX. I stopped using the card since mid XXXX after being charged for unauthorized purchases on the card. Comenity Bank which issued the credit card cleared me of the fraud charges in XXXX XXXX. Soon after I destroyed my card ending in XXXX, I was being billed for charges on a new credit card ending in XXXX. I never opened a new account nor did I ever used a XXXX XXXX card ending in XXXX.. Comenity Bank has continued to bill me for charges on this card which I never used or opened an account on. I have sent letters and made phone call to inform Comenity Bank noting that I am not responsible for the the fraudulent issued credit card, but they continue to send me a bill ' monthly ' and have refused to correct their mistake .I have told them that their continued pursuit of uncalled for payment is solely a matter for them to correct and not an obligation on my part. The monthly billing has continued to this day, XXXX XXXX, XXXX.
Company Response:
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Applied for a NFL Extra Point XXXX card, got an adverse action letter, called they couldn't help. The letter says they can't give me a card because i have an existing 1, I don't. They refused to help XXXX XXXX, writing an executive complaint, want the world to see this, yall need to investigate their adverse action letter process. They violated this 1009 ( b ) ( 2 ) 1. Number of specific reasons. A creditor must disclose the principal reasons for denying an application or taking other adverse action. The regulation does not mandate that a specific number of reasons be disclosed, but disclosure of more than four reasons is not likely to be helpful to the applicant. 2. Source of specific reasons. The specific reasons disclosed under 1002.9 ( a ) ( 2 ) and ( b ) ( 2 ) must relate to and accurately describe the factors actually considered or scored by a creditor. And said others were harmed. they need a fix and to be fined. If you cant see the letter let me know.
Company Response:
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A