Date Received: 2021-02-10
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 am writing today in regards to my account with XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Company Response:
State: NJ
Zip: 08701
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: When applying for the card, terms were indicative of a general use credit card. Points were earned at a certain rate for in-store purchases and a different rate for outside store purchases. I was approved and received my card two weeks later. When attempting to use the card at a grocery store, it said the card was declined. Upon contacting customer service via secure messages through their website, I was informed the card I received was only for in store purchases. When I called to cancel due to this issue, I asked about this issue and the customer service representative told me that if you do not qualify for the one that can be used outside the store, you will automatically be sent the instore only card. I never received documentation I did not qualify for the original offer ( no adverse action notice ). I was never told I was receiving something different than the offer I signed up for ( no counter-offer ). I was just sent the different card.
Company Response:
State: MT
Zip: 59801
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: See CFPB complaint XXXXPrint. My complaint was " I have opted out of pre-approved offers, and you sent me a pre-approved offer anyway. '' Their response was " you can opt out of pre-approved offers by contacting the credit bureaus. ''
Company Response:
State: NY
Zip: 11217
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX was returned and a refund was issued but never applied to clear balance. XXXX or XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by Comenity Capital Bank.
Company Response:
State: ND
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
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 would like to formally request a letter to CCB/XXXX XXXX stating that the " missed payment '' on my credit report be removed as the account was in dispute at the time due to various factors including the Covid - 19 pandemic. I notified the bank several times that the dental office had taken your money and had not provided me with the services that you were billing me for. At the time, there was not even set a future date to deliver the services, but I was continuously being billed for the unearned revenue. My account has since become current, but my dental work is still not complete, and the aforementioned missed payment is adversely affecting my credit score. I am filling this complaint so that my credit history can be fixed.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Greetings! Step 1 : What is this complaint about? Victoria 's Secret credit card. Step 2 : What type of problem are you having? Charging me late fees and accumulates up to {$470.00} from initial store purchase of {$95.00} Step 3 : What happened? At the store a cashier offered a card with initial discount on first purchase ; Gave me receipt with note that I will receive the card 10 to 12 days. But never came and then the Comenity Bank starting to charge late fees. The card never came until XX/XX/2019, on my bill another purchase came out that I did not do. Hence my bill went up higher with increase late fees. I dispute the issue and they wanted me to send them my SNN and other proof of address by mail which I believe is a delaying strategy and I don't trust them because of what had happened. The account was closed and was transferred to a collection agency which calls me and bothering me ever since. I am willing to pay the principal amount owned but they want me to pay the late fees which I am not entitled to. Step 4 : What company is this complaint about? Victoria 's Secret credit card and Comenity Bank. Step 5 : Who are the people involved? Only me and the credit card Company or the said Bank. I don't know who stole the card.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: New York and Company ( Commenity Bank ) has been charging me double finance charges each month. They are forcing me to close the account to keep from getting additional interest fees by paying the complete balance off in full. My total balance due is XXXX. I have made all payments on time with the exception of one payment 3-4 years ago.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I submitted identity theft police report for Victoria secret {$940.00}. The account doesnt belong to me. I am a victim of identity theft. I have never had an account with this company.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
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 bought a set a quilt set on Wayfair.com and was used the Comenity credit card. After I received and didn't like the color of the product, I returned the full set and paid {$12.00} return shipping fee. I should have any more balance but they kept saying I owe them something and accumulate late fee and asking for payment. I refuse to pay for something that I have successfully returned and paid return shipping fee.
Company Response:
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A