Date Received: 2021-02-11
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: On XX/XX/2021 I submitted an electronic payment in the amount of {$80.00} for my credit account with Victoria Secret ( Comenity Bank ). I processed the payment using Comenity Bank 's automated phone system using my personal checking account I have with XXXX XXXX. Before Comenity Bank processed my payment of {$80.00} using my checking account the following terms were read by the automated system : " Payments made over the phone that are received by XXXX XXXX EST will be processed the same day, payments made after XXXX XXXX EST, will post the next business day. '' After I confirmed and agreed to Comenity Bank 's terms and conditions the {$80.00} payment was processed and I was given a confirmation number for my financial records. On XX/XX/2021 I logged into my XXXX XXXX account online and saw in my recent transaction history the {$80.00} payment to Victoria Secret/Comenity Bank already processed and posted to my account. It was not until around XX/XX/2021, when Comenity Bank contacted me regarding the account payment due on XX/XX/2021. After giving the amount I paid ( {$80.00} ), the date the payment processed ( XX/XX/2021 ), and the confirmation number ( XXXX ) once the payment was processed successfully ; the Comenity Bank representative, XXXX, stated the confirmation number was not sufficient enough that I would need to also provide my bank statement reflecting the {$80.00} payment. Disagreeing with the representative, I decided to go online and login to my XXXX account and view my transaction history for all of XX/XX/2021. Reviewing the transaction history is when I noted the transaction no longer reflecting in the transaction details as it did when I checked my checking account on XXXX XXXX, so I called XXXX XXXX. I spoke with a XXXX Banker by the name of XXXX, who told me that the payment did go out to Comenity Bank, but because my recent deposited check was still pending, my funds were not available at the time the payment was sent to Comenity, which was returned to XXXX, with no record of the returned payment as well as {$80.00} showing credited back to my checking account. I explained to XXXX that I get paid XXXX by Veterans Affairs and that my funds are never on hold or pending deposit to my account an additional two or three days after the first day of the month, which to my knowledge and understanding the way direct deposits are made by the VA have not changed or updated, therefore causing more concern for the vulnerability of my identity, finances, and most of all privacy. Around XX/XX/2021 I received in the mail, my statement for the Victoria Secret credit account due on XX/XX/2021. While reviewing the statement I noticed a few things. 1. The payment of {$80.00} showed as processed on XX/XX/2021, following that the payment was returned on XX/XX/2021. 2. In the category " Other Debits '' there is a charge of {$80.00}. 3. In the interest portion of the statement the terms and details are explained on how they charge interest, specifically noting that each balance on the account is charged interest separately. To my knowledge and understanding I only have one account, one card, one user ( myself ) authorized on the account how there are three different balances reflecting on my statement, with three different interest rates being charged, when I found on previous statements only one balance being charged interest. After reading how Comenity Bank calculates the APR interest rate using the " Daily Balance '' method and the " Average Daily Balance '' method which are both termed as they are both one or the same. In regards to the terms and conditions of payments that is noted by Comenity Bank on the monthly account statements state these words exact : " NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. However, no customer service agent from XXXX XXXX or Comenity Bank can tell me where or who the payment for {$80.00} returned to, and why it never reflected back in my personal checking account balance or in documents regarding returned checks. Having no help from either business, I am hoping to find out and regain control of my compromised finances and have answers that are not contradicting of the terms and conditions of the financial institutions as stated.
Company Response:
State: MS
Zip: 39466
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I used my Victoria secret credit card to purchase 5 Victoria secret gift cards. 3 of those gift cards were put into my fiancs Victoria secret app. Which was hacked and our personal information was placed in that app and the money has been stolen from us along with our information. And Victoria secret confirmed during my phone call today XX/XX/2021 at XXXX than someone else not matching mine or my fiancs names nor our addresses did use our money and they verified that and then sent us in a circle of hours long phone saying they made a case and determined nothing needed to be done. That our information has been hacked from their Victoria secret app. And our money us been stolen from their app. And they want to bury the issue. I want our money back and our personal information protected we are going to file a police report against Victoria secret for this.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
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 XXXX XXXX XXXX XXXX, Comenity CB/XXXX, and XXXX XXXX. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Comenity CB/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. 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: 91604
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have been paying on this credit on time monthly and I get an email that they decreased my credit limit by a grand. Because of a credit score my credit score hasnt changed it in fact went up with XXXX. And only change I had was a purchase of a vehicle in XXXX which is my only other bill other than my mortgage. They changed my credit limit which up my credit card utilization and than in turn dropped my credit score and can not give me any firm answers I have spoke with them twice and even made a XXXX $ payment I am very upset.
Company Response:
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am submitting this complaint in regards to my commenity bank/express account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX ( XXXX ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at XXXX that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by XXXX points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I believe Comenity Bank violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case Comenity revoked my credit. Shown in exhibits. I believe Comenity Bank is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or XXXX XXXX XXXX of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits. Fact, Comenity Bank did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits. Fact, Comenity Bank violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on 8/3/2015. I believe Comenity Bank is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits. Affidavit is attached in file upload so please respond quickly.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I followed a complaint on XX/XX/XXXX with the CFPB and received a follow up on XX/XX/XXXX letter that XXXX will be following up. I never received any follow up from CFPB orXX/XX/XXXX afterwards so I called XXXX and was told my balance was XXXX. Recently I have started getting bills again for the same complaint that I believed was resolved. the complaint id is XXXX
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Decreased my credit from {$2500.00} to {$100.00}. Ive never been late. Used the card responsibly. Card balance was paid in full. This has also dropped my credit score tremendously. I am current with all my credit card payments and debts. Ive recently been using my other cards to help others who are in need during this pandemic and I dont want to be punished for this. Ive never requested a deferment, or had a problem paying my bill.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have had a store credit with Comenity since XXXX I have never missed a payment. Not only haven't I missed a payment, I have paid my entire balance. My line of credit was {$1400.00} until today. The account was accessed by an unknown person rather it was in the bank of comenity or someone who called and pretending to be me, and my credit was decreased to {$100.00}. This being after I have already paid my entire balance, with no missed payments.. ever. There have been no other changes to my information at all. I am being severely financially abused and harassed. All of the clothing which was purchased from the store has been ruined inside my home, and is covered with insecticides, and other powdery substances which are deteriorating the fabrics. I am a victim of terror.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Every time I apply for a card with this bank Comenity they decline me. I asked them are you prejudice against XXXX and XXXX? Because I am XXXX and i am XXXX. They put me on hold and never resolve the issue. Now the letter states things that don't exist on my credit report. They refuse to help me with my applications and when I call they won't connect me to a mgr to help.
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A