Alliance Data Card Services
Consumer Complaints
There are over 7289 complaints on file for Alliance Data Card Services. Dated between 2019-12-12 and 2017-01-04.
Complaints Page 15
2019-10-17
Waco, TX
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Comenity Bank has called me at obscene hours throughout the day, and up to 9 times a day. I answered once and told them to stop calling me. They have now called my dad, not once, but twice, and given him details about my debt ( what it is for, what company, the debt I owe ). They are calling to collect a debt regarding a Victorias Secret credit card I have through them. After they called my dad this morning, I called them and told them to stop contacting me and my family ( again ). This is getting to the point of harassment.
Company Response: Closed with non-monetary relief
2019-10-17
Damascus, PA
Fees or interest
Credit card or prepaid card: Store credit card
Charged too much interest
Company Response: Closed with explanation
2019-10-17
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-10-17
Great Neck, NY
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: Doctors promotes 0 % interest finance on XXXX, in this case, XXXX XXXX. They tell you it will be 0 % for over 2 years 24 months. What they dont tell you is that is a deferred interest financing. The financing Company, post a minimum payment that should be made, a lot less if than the required amount to be cover ( assuming all 24 payments are made ) misleading the borrower to miss the promotional deadline at a 29 % interest rate. Its out of this world that you borrow XXXX and end up paying XXXX just on interest.
Company Response: Closed with explanation
2019-10-17
Henderson, NV
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief
2019-10-17
Jacksonville, FL
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-10-17
Anaheim, CA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: While reviewing my XX/XX/XXXX XXXX credit card statement which is issued by Comenity Capital Bank, I observed an unauthorized charge on the amount of {$390.00} from XXXX XXXX XXXX. Since this charge was not authored by me I contacted the bank and i filed a dispute. After filing the dispute i waited about 3 weeks to find out the status of the dispute and at the time I learned that the dispute was not filed by the bank.
On XX/XX/XXXX I filed again a dispute for the same aforementioned charge and this time the dispute was filed. Since the bank 's policy is 30 days to investigate the dispute and to give a resolution I called them back on XX/XX/XXXX to follow up on my dispute and at that time I was told that they were still investigating the dispute to call back in a couple of weeks.
On or about XX/XX/XXXX I called the bank again to check about my account and the answer is the same, we are still investigating.
After that called I being calling almost every 2 to 3 weeks .and the answer is still the same.
The bank has violated their credit card agreement as their agreement clearly states that in 30 days the disputes will be resolved. It is already 8 month and the dispute is still being investigated.
Their customer service is horrible and their negligence is affecting me financially as they have not even issued a temporary credit and the disputed amount is still my responsibility. This bank dont have any sense of urgency and they dont understand the damage they are causing me and they dont understand the legal complications that violating their credit agreement can bring to them.
Finally, since I filed the dispute for second time I have not received information at all from the bank in writing in regards to the dispute.
Since they are taking serious this matter I am involving for the regulatory agency to take action and to enforce their credit card agreement.
Company Response: Closed with explanation
2019-10-16
Clayton, MO
Fees or interest
Credit card or prepaid card: Store credit card
Charged too much interest
Complaint: I got a credit offer for 12 months without interest, the last month to pay was XX/XX/XXXX and pay the whole amount in the middle of XX/XX/XXXX but bank put more than {$200.00} of interest for all the 12 months because I need it to pay before XX/XX/XXXX.
I have called customer services and they haven't help. I asked them to charge me interest only for the days after the promotion but they want to charge all the 12 months. The bank keeps adding fees!
Company Response: Closed with explanation
2019-10-16
Lakewood, NJ
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-10-16
TX
Problem when making payments
Credit card or prepaid card: Store credit card
You never received your bill or did not know a payment was due
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Company Response: Closed with explanation
2019-10-16
Silver Spring, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I had a credit Card with Comenity Bank/XXXX XXXX XXXX XXXX that went into collections. I paid over 600 dollars on this account but New York and company and comenity bank keeps reporting the account as a charge off every month and dropping my credit score. The account was paid in full. The original Credit Limit was XXXX and the highest balance reported was XXXX but I paid more than that. Comenity Bank has carelessly handled this account by reporting inaccurate information all the time. Every time I dispute with the consumer reporting agencies they bring it right back to the inaccurate status.
Company Response: Closed with non-monetary relief
2019-10-16
Rockaway Beach, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: YOU HAVE MY PAYMENT / CURRENT PAYMENT STATUS IN COLLECTIONS CHARGE OFF I NEVER RECICVED NOTICE THAT I HAVE A COLLECTION ON A SOLD ACCOUNT PLEASE VALIDATE THE COLLECTION YOU SOLD ACCOUNT HOW CAN I BE IN COLLECTIONS
Company Response: Closed with non-monetary relief
2019-10-16
DE
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, Childrens Place, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ XXXX XXXX XXXX of XXXX Georgia, and Comenity Bank of XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week Comenity began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.
Company Response: Closed with non-monetary relief
2019-10-16
Las Vegas, NV
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I currently have a 30 day delinquency reporting on XXXX for XX/XX/2018 and on XXXX for XX/XX/2018. I have never been late on payments on this account. I attempted to rectify this with the bank numerous times but they fail to provide billing statements reflecting late payments. I also typically reach out to the bank to confirm payments to ensure no payments are due and each and every time I advised all payments are up to date. Specifically I called during the XXXX, XXXX and XXXX of 2018 due dates and I was told by the representative no payments were due as all payments were met. The 30 day delinquency reporting on my credit profile is incorrect as I have never missed multiple payments for consecutive months on any of my credit cards. Also the reporting against all 3 bureaus are incorrect as two bureaus state I was 30 delinquent in XX/XX/2018 and one states I was delinquent XX/XX/2018.
This bank has tarnished my credit tremendously with the reporting of this incorrect 30 day delinquency. I am looking to receive help with this or look to take legal action as this reporting is a form of unfair treatment due to the incorrect reporting.
Company Response: Closed with non-monetary relief
2019-10-16
TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I HAVE ROPTED TO FTC, I HAVE WRITTEN XXXX WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY
Company Response: Closed with non-monetary relief
2019-10-16
Bayside, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2019-10-16
Knoxville, TN
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Privacy issues
Company Response: Closed with explanation
2019-10-16
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation
2019-10-16
Ontario, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2019-10-15
Swiftwater, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-10-15
Toms Brook, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with non-monetary relief
2019-10-15
Burbank, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Confusing or misleading advertising about the credit card
Complaint: I believe that Comenity Bank intentionally deceived its customers including myself in regards to promotional financing offered through its account. I can explain it in two steps.
# 1 The first being paperless statements. We all want to do what's right for the environment so when the option to enroll is available I click yes. So I did. Problem is they list the promotional finance summary on PAGE 3 of the statement. This is not available or shown AT ALL on their companies WEB INTERFACE. It doesn't exist.
# 2 Is the web payment options. There is none. It is the only credit card I have that didn't have the option of enrolling in RECURRING PAYMENTS. After all, If I sign up the promotional financing instead of the reduced price on the item purchased, I'm obviously planning it out to pay all of the financed amount off in a 12 month or less period. Comenity didn't have a recurring payment option until recently. I believe this was intentional on their part and the retailers. The customer chooses to pay the higher sticker price to get the reduced financing charges. The finance company then makes it impossible to set up recurring payments and in turn its a double dip.
The reason for this email is I was dealing with a parent in hospice from XX/XX/XXXX - XX/XX/XXXX and I did not know that my promotional period was ending. So when I made a payment it was too late and I got whacked for {$770.00} worth of finance charges. When I asked them to remove this and explain my situation in a calm manner they said NO. This is a disgusting business practice and Im sure it has happened many times over.
Thank you, XXXX XXXX
Company Response: Closed with explanation
2019-10-15
Mangonia Park, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-10-15
Havana, FL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation
2019-10-15
Scranton, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation