Date Received: 2022-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX ( Comenity Bank ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my XXXXredit score dropped again due to a remark being added to the Comenity Bank/XXXX XXXX account again. Shortly thereafter, I received a letter from Key Jewelers dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and Comenity Bank that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.
Company Response:
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A Victoria Secret account was opened with my information. I sent letters, spoke with multiple agents and nothing changed the status. I was harassed to admit that this account was my account and it is not. Victoria Secret has not only harassed me, but caused severe anxiety and has also made it hard for me to purchase anything because of this delinquent account that has reported for 23 months. I have NEVER opened an account with Victoria secret
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was approved for XXXX XXXX XXXX card with a limit of {$1000.00}. Approx 5 or 6 months later, they drop my limit to XXXX with no notice. This caused me to have to pay a bunch of fees, because my balance was over the XXXX. After I called I received a letter in the mail saying they reduced my limit because my credit score changed. Today, XX/XX/2022 I logged in to pay my XXXX XXXX bill. My limit has been decreased from XXXX to XXXX, when my balance is XXXX. I check my credit score 2 to 3 times a week. I know it has gone up. There is no logical reason to me for this to happen. When. Calling XXXX XXXX/commenity, they have no answers. They say they will transfer my call and I get hung up on 4 times! Four! I am beyond upset at this. This is affecting my credit score. And no one has answers.
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is the THIRD time I have attempted to resolve this issue with Comenity Bank/Ny & Co and now this company is AGAIN reporting this account as a charge off. The original complaint I submitted to the CFPB is XXXX and will be attached for your review. I received a credit alert yesterday and this error decreased my credit score by XXXX points. If Ny & Co can't get this corrected, please remove this tradeline from my credit report as it is damaging and preventing me from qualifying for future credit.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/XXXX I opened a credit card with XXXX via Comenity Capital Bank. My interest rate was 25.74 % and I had a credit limit of almost {$700.00}. I paid my bill on time every month and had no problems until XX/XX/XXXX when I missed my due date by a few days and was charged a late fee. I made a payment, called to have the late fee reversed ( it was ), and went on paying my bill on time from that moment forward. Around this time period Comenity Capital sent out notices about how to save on interest by paying the full amount due within 25 days of the billing statement and this information was also reflected on the XX/XX/XXXX billing statement. WHAT WAS NOT mentioned was that I would have to pay TWO SEPARATE APR 's of 25.74 % - one applied to my balance for all charges prior to XX/XX/XXXX, and the other applied to the balance of all my charges after XX/XX/XXXX. Given that this was never mentioned in any correspondence I received from Comenity Capital, I did not notice until XXXX of this year that I had been paying two APR 's for the past 12 months. I have contacted Comenity Capital on three occasions ( twice via email and once via telephone call ) to resolve this matter/receive more information about it and twice I was told to consult my billing statement for information - which doesn't explain anything which is why I'm contacted Comenity to begin with, and the third time when I finally called I realized that once again I was going to receive a scripted response so I asked to speak with a Stateside customer service representative ... .I was transferred then hung up on. I want to know why I was being assessed two APR 's and why is Comenity so reticent to clarify this situation?
Company Response:
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have an account with New York & Company/ Comenity Bank . I was on a payment plan from XXXX. I wasn't properly notified by via mail or email that my normal payments would resume. When I spoke with the customer service representative she informed me that I wasn't eligible for another payment plan to keep my account active and current. I keep getting calls from private numbers from them, rude customer service representatives when I speak with them. I called on XX/XX/XXXX and was questioning charges on my account that I didn't make. XXXX representative did in fact confirm that my last physical charge I made was on XX/XX/XXXX. When the current billing statement for bill due date on XX/XX/XXXX says : Purchases prior to : XX/XX/XXXX {$390.00} XXXX 25 % XXXX XXXX {$8.00}. Purchases prior to : XX/XX/XXXX {$46.00} XXXX 25 % XXXX XXXX {$1.00}. Purchases 25.9900 % {$79.00} with no date. I was referred back to customer support who I initially contacted stated that they do not have the ability to look that far back on my account to explain what said purchases for that amount was actually made for me to pay a total of {$550.00} with a credit limit of {$450.00}. Once I was making timely payments during the pandemic, I didn't see a significant change in my balance dropping. I did let the customer service rep know that I will not be making any payments on this account due to incorrect reporting of charges when it was confirmed that the last use for a purchase on this card was on XX/XX/XXXX for {$15.00}. So, where did these hundreds of dollars come from. When I get an explanation of those said charges I will be more than happy to make a payment. I will not continue to allow this corporation to put fraudulent charges on my account when I didn't make them. I haven't used this card in 2 years!
Company Response:
State: PA
Zip: 16602
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, someone fraudulently applied for credit in my name and XXXX notified of this and quickly shut down the credit line with XXXX XXXX. I contacted XXXX XXXX and requested the acct be closed and that I never applied for credit with them. The acct is still open in my name, the inquiry is still on my credit report and I want to close this acct AND remove the inquiry from my credit report on all credit reporting bureaus.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when Comenity decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at Comenity contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well. In conclusion : 1. The seller committed fraud by lying about the quality of their product and their location, and their XXXX information and countless reviews proves this. 2. Comenity committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then Comenity committed a second count of fraud by selling the fraudulent account to XXXX. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in. With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady XXXX collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by Comenity. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel. Finally, XXXX is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of XXXX. Quash this account and restore my credit IMMEDIATELY!
Company Response:
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I purchased a diamond engagement ring and wedding band at Zales and was told to open up a account for 18 months, no interest financing, sounded like a good promotion. I was not told about the terms of the financing, just that it is interest free for 18 months. I was making all my payments on time each month and every months as I do with all my bills and I have excellent credit, XXXX XXXX XXXX. I fully intended to pay off the balance before the end of the 18 months. On XX/XX/2022 I receive a bill in the mail with a balance of {$1300.00} and a interest charge of {$1400.00}, I call the bank that day and ask, why is there a {$1400.00} interest charge on my account?! Was told I past the promotional date of 18 months deferred interest, in which I did not know that my promotion was nearing the end, no mention of it on thr billing statement on the first page, they said it was on the third page?! I didnt look at the third page as my balance is on the first page. I told them I will and I did pay the balance of my statement for goods I had purchased in the amount of {$1300.00} off on XX/XX/2022. They said they will not reverse the fees nor or they obligated too. I said I am paying off the balance today as I did not know the promotion had ended and my interest charges were more than my remaining balance, that is not a cool or ethical business practice for consumers. I spoke with XXXX managers and they were not willing to help me. I am filing a report against this company for unethical business practices and I would like for them to do the right thing. I recently have had a baby, gone through XXXX and have a hardship with my self employment business, their advertising for the credit card no interest is very misleading and was not explained to me and they pushed me to sign up for their store credit. And then to get a {$1400.00} interest charge when I did not see clearly on the first page, was told that the promotion ending date was on the third page, not clearly explained, not clearly told about charges for deferred interest, this isnt a good business practice, and should be illegal if it isnt. If it is legal it is very misleading and puts a huge burden on many consumers if they are late a day on monthly payments or missed promotional ending date that is clearly not marked or easily visible to the consumer. I am a honest person, making a honest living, but not willing to reverse a interest charge in the amount of {$1400.00} when I have been a on time customer is wrong. Comenity Capital Bank Do the right thing, and assist your customer in the well being of your business and to the consumer, do not put hardships on honest people. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Company Response:
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
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 did a tour of a XXXX property on XX/XX/2021. After touring the property I came home to several notices that a credit card had been opened in my name. I never authorized a credit card with Comenity Bank. I contacted Comenity Bank to advise them of the same. Comenity stated that the account had a {$0.00} balance and my understanding is that they would close the credit account. I then received a bill in XXXX for a transaction dated XX/XX/2021. I contacted the bank, Comenity and advised that we did not complete a transaction on this date. Comenity refused to allow me to dispute the transaction. I had requested several times to dispute the transaction and it was not until I recited federal credit laws and argued with a supervisor that I was able to dispute the transaction. The response from the dispute was received and stated that I was liable for this transaction. But provided me with documentation for a transaction dated XX/XX/2021 with XXXX but no credit application with Comenity. The credit card statement still reflected a transaction date of XX/XX/2021. This is not in fact what occurred. I have been trying to get Comenity Bank to remove the transaction according to the regulations. Our disputes with Commenity are that we never received the goods ( ie timeshare points which is a separate legal issue ), we never applied with a credit account with Comenity, the transaction date is incorrect, and incorrect spelling of my name. I am looking for resolution from Commenity Bank as they have placed us in a delinquent status as this has not been resolved.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A