Date Received: 2021-02-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Comenity Bank Card through XXXX XXXX. They keep lowering my credit limit for XXXX reasons. I have included correspondence asking for them to either raise my credit limit to the original limit or close the account altogether. They are refusing to do either. They have claimed that my credit changed when they lowered my credit limit after I made a payment. I have included a printout to show that as of XX/XX/XXXX there were no changes to my credit report. Their reasons why are fraudulent. I do not have too few bankcards, I do not have too many derogatory or delinquent accounts ( the accounts they are using against me are the other accounts I had closed because they kept lowering my credit limit to the point it was dragging my credit score down for the same reasons ), Not enough balance paid down over time, I can not keep up with the ever-changing credit limit, so I had no other choice but to close those accounts through Comenity. That is why several of their bank cards were closed. I have 19 inquiries from XXXX still sitting on my credit report. This not even be a factor. The one that gets me is the lack of real estate secured loans. Because of the games, they plan I do not qualify for a home loan. Why would not having real estate loans be a factor in lowering my credit limit? They claimed that they make contact with XXXX every month. How is that legal and fair? Why is my credit report on their radar? Why are they singling me out? Their credit practices are predatory and discriminatory. They need to be stopped.
Company Response:
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is Comenity Bank they will not stop calling multiple times a day no matter how many times I have asked them not to. They are calling me on Sunday when I have repeatedly told them not to call me on a Sunday. The calls are harrassing and calling from a block number is also very wrong Sunday XX/XX/2021 5 calls 1st 2 was from a restricted number XXXX and XXXX Calls 3 and 4 from phone number XXXX XXXX XXXX and XXXX Call 5 from phone number XXXX XXXX
Company Response:
State: TN
Zip: 37303
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts appearing on my credit report are fraudulent : COMENITYCB/XXXX XX/XX/XXXX {$0.00}, COMENITYCBXXXX XX/XX/XXXX {$890.00}, XXXX XXXX XX/XX/XXXX {$0.00}, COMENITY CAPITAL BANK {$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: TWO FRAUDULENT HARD PULLS ON XXXX COMMENITY CAPITAL XXXX AND COMMENITY BANK WAYFAIR
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity Bank handles the credit cards for XXXX XXXX Stores. I have not been receiving mail in a timely manner, and I did not receive my XXXX XXXX bill. When I receive my next bill, I had incurred a late charge of {$35.00}. I called Comenity Bank and asked them to remove this late charge because of these circumstances. She agreed to remove this charge and I agreed to pay the account in full. I received this bill on XX/XX/2021, and I saw that the bill was due on XX/XX/XXXX. I asked if my payment would arrive on time if I sent it in for XXXX Online Bill Pay to pay it on XX/XX/XXXX. We agreed that this was agreeable, and I asked her to notate my file that I would be closing the account and sending in the payment on that day. On XX/XX/XXXX, I received the attached bill, which I didn't understand ( and I still don't ). When I called to ask about it, I was told by the customer service representative that my balance is {$29.00} : she said my bill is paid, but I still owe {$29.00} due to a late fee because my payment was not processed by Comenity Bank until XX/XX/XXXX, and it was due on XX/XX/XXXX. I was further told that if Comenity Bank did not receive this late fee payment by XX/XX/XXXX, I would have incurred another late fee of {$29.00}. I think I would be given a better deal by the XXXX My complaint is that Comenity Bank did not honor their agreement to accept my final payment which I told them would be sent on XX/XX/XXXX, Comenity Bank charged me a late fee when I should have a XXXX balance, and Comenity Bank wants to charge a late for a late fee. Isn't that illegal, or is it only immoral?
Company Response:
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Today ( XX/XX/XXXX ) I was contacted by Comenity Bank ( XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX ) who were attempting to secure an overdue payment for a Visa card that I had no knowledge of. This card was opened on XX/XX/XXXX by an unknown party and a balance accrued of {$10000.00} as of today. The card was opened by this bank without proper verification of identity resulting in fraud, both by the party opening the account and this bank. I have notified Comenity Bank ( Fraud department ) and they stated ( by phone ) that the account would be closed today for new transactions, and that an investigator would contact me to resolve this within 90 days. I have notified XXXX XXXX and XXXX of this identity theft. My credit score has been compromised by this negligence on behalf of Comenity Bank as they failed to accurately verify the identity and personal information of the individual to whom they issued a credit card. My responsibility for charges made by the party issued the card remains uncertain. I live on the East Coast, the card was issued in XXXX XXXX and travel has not been possible during this time due to the Covid Pandemic. I have not left New England since XXXX.
Company Response:
State: NH
Zip: 03801
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I asked the credit card company if I promised to make a payment after my complaint is resolved if interest would still be charged. They asked if I filed a dispute. I said I was not aware I could dispute the promotional interest charge with them and that I filed the complaint with the government. At that point I was cut off mid sentence and transferred to make a dispute before the late fee could be removed as promised and then the call disconnected. I called 3 times from the same phone and each time I kept getting hung up on. I finally called from my home number and finally I was able to get in touch with someone. During the call I explained the the number I found from XXXX to find out why I did not receive a bill would not connect me to a representative. I explained that I also called the store I made the purchase from and they too could not get a representative on the line. The only reason I was able to get in touch with the credit card company was because they texted me after the due date. I never received anything in the mail, phone call or email. They apologized that the mail got lost and that I received the wrong number but they could not remove the promotiinal interest charge even though I never received any mail and my account number changed without my knowledge.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I used the card on Friday, XX/XX/XXXX to purchase hotel reservations online. It asked me to upgrade so I did, but then the window of time to cancel was shortened so I canceled the reservation altogether. The card had to have been open when I initially purchased the reservation because it let me book it ( it wasn't a pay later reservation ). After canceling the reservation, I logged in to my account to make sure that the transaction didn't go through and that's when I discovered my available balance was {$0.00} when it should have been around $ XXXX. I tried calling the company ( Comenity Bank ) 3 times to try to find out what happened and also sent and email. When I call I get an automated service that tells me my card has been closed by the bank and can not be reopened. I've never been late and if this was a suspected fraud they usually transfer you to the fraud dept and once they determine the charge legitimate, remove the hold. In this instance the account was just closed with no notification or explanation. This situation will impact my credit score since $ XXXX of available credit has been eliminated. I know that there are notification requirements and like I said even in a suspected fraud situation you have an opportunity to talk to someone to get your card reopened or a new card issued.
Company Response:
State: GA
Zip: 30605
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I never received a bill in XXXX. The last payment I made was XX/XX/2020. Because the interest free promotional period was near, I thought I did not receive a bill because my balance was XXXX. ( That was the case for another company, I have 3 interest free promotional periods ending within a2 month period, so I was confused ) I still tried to call several times to confirm but could not get a human on the phone. The automated system said my balance was the same as my last payment, it sounded like I was done but still wanted to speak to someone. I tried calling again during the week rather than the weekend on 2 seperate occasions and still could not get a human on the phone. I received a text on XX/XX/XXXX from an unknown number telling me I missed a payment. I called and that's when I was told the bank changed and the bill now comes from elsewhere. I explained that I never received anything and wanted a bill to ensure it wasn't a scam. I still haven't received anything in the mail. I looked through my mail for the new envelope but it has a due date for XXXX. I never received a bill for the XXXX due date. I have a XXXX promo finance charge, a late fee charge of XXXX and it says my previous balance was XXXX. I also have a charge called promotional revolving at XXXX. I don't understand the charges and I asked them to waive the fees and interest since I never received anything. The promotional period ended in XXXX and that is when I did not receive a bill. I thought maybe I didn't see the bill because it was sent in a different envelope and I didn't open it yet since I was looking for the same envelope I've seen for the past 2 years I've been paying this bill. But upon looking through all my mail the only bill I see from the new company is due in XXXX. Also the account number on this bill is different than the one I've been paying for the past 2 years. I easily get on the phone when I call the number that texted me but when I call the number given to me by the store I made the purchase from I can't get anyone on the phone. The store I made the purchase from did confirm that they changed banks but didn't understand why my account number was different. I want to pay my bill but only the remaining balance if I had one.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Capital Forever 21. The Account Opened is Comenity Capital Forever 21 Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A