Alliance Data Card Services

2019-10-14

Clementon, NJ

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-10-14

Blackbird, DE

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: I used my credit card with Comenity Bank to book a vacation package for me and my wife totaling {$2600.00}. The travel agency was shut down due to fraudulent business practices. I filed a dispute with Comenity Bank for none receipt of services. I was given a temporary credit which was later charged back. I communicated with the bank several times for an explanation for the reversal of credit and all they explain to me was that the charge was non-refundable. It is true it was non-refundable if I cancel. But I did not cancel. The merchant is totally unable to render the services my wife and I paid for. I have even contacted to Comenity 's CEO because I believe the persons processing my claim don't know what they are doing. I didn't get any response. Attached are letters and attachments I sent/provided to Comenity Bank. I will be traveling starting today XX/XX/2019 until XX/XX/2019 and will have limited internet access in case you need to contact me and need a response. I hope you can assist me with this issue. XXXX XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-10-14

Richmond, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-10-13

PA

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: On XX/XX/2019 i inquired to credit agencies why my FICO score had gone from a consistent XXXX to XXXX i found an outstanding bill for Comenity BankXXXX XXXX for purchase of a sofa chair, 3 dining chairs, and a dining bench. i had never received a bill because they did not have our apartment number. They said my account was undeliverable. i paid the {$2100.00} immediately on XX/XX/XXXX after being mistreated by five less than polite people in their collections department. The process took two hours. Although they were able to deliver the furniture to my apartment in XXXX, which required them to call me and find my apartment, get another {$1000.00} payment by phone, they were not able to deliver my statements! At the time of payment on XX/XX/XXXX, i asked to receive a detailed billing which they said they could not do but i could go online. They could not give me my account number to go on line but said that now that they had my correct address ( apartment number was missing ), they would send a bill and i could do that. They said my credit rating would be repaired since i only missed two billing cycles. it is XX/XX/XXXX, i have NOT received ANY statements and my credit rating is even lower ; not allowing me to refinance my mortgage. I am still unable to review my statement nor do i have my account number. How do they manage to contact me and make arrangements for and deliver furniture yet not get me my statements for me to make payment in a timely manner? i have written the bank a letter and sent an email with no response. Pottery barn has informed me that it is not their issue.
Company Response: Closed with explanation

Timely Response

2019-10-13

Knightdale, NC

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-10-13

Cheshire, OR

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Didn't receive advertised or promotional terms
Complaint: XX/XX/2019 I went to XXXX website to buy bedroom furniture. They advertised a 6 Months Interest Free offer on purchases over a certain amount ( I think 500.00 ). We had the money to buy the bedroom outright but I wanted to build on my own credit so I applied. During the purchase process, I never noticed that they DECLINED my application. All I saw was the charges going through and the purchased completed. To my surprise, the next week I received a credit card in the mail from XXXX. I didn't understand why but assumed they were giving me a credit card for future purchases. I just held onto the card assuming it was there when I wanted to use it. I didn't get a paper statement until AFTER I made my first payment online of {$100.00} on XX/XX/19. I just filed the XXXX statement away. The second statement in XXXX came and I noticed a late fee of {$14.00} and assumed the fee was being recorded until the last payment came in prior to the 6 mo. deadline and just ignored it. I even received an email ( XX/XX/19 ) on the XXXX Secure Message Center stating this .... " Dear XXXX, At Comenity Capital, we are committed to providing you with clear and timely information about your Account. We have important news regarding promotional plans you may be offered. To view this information, please select the View Document link below and save a copy for your records. If you have any questions, you can reply to this message. View Document Thank You, Customer Care '' So I assumed I had the promotional plan and they were going to offer me some more to keep my business coming in. I didn't get suspicious until XXXX when I decided to call XXXX and double check the deal I got ( or thought I got ). I had to call two times and even when I did I was passed from XXXX to their bank, Comenity and back again. On XX/XX/19 I talked w/ XXXX , XXXX and XXXX . Finally I was told that I wasn't given the 6 Month Promotion but would have someone contact me about it. They began a claim for me that day. I got a letter on XX/XX/19 from Comenity Bank and they acknowledged they would look into the matter and get back to me after the investigation. I got a letter on XX/XX/19 from Comenity Bank saying " Your purchase ( s ) did not qualify to be placed on the requested promotional plan ( s ) and was THEREFORE APPLIED to a revolving credit plan ( s ) for one or more of the following reasons ... XXXX '' I never ASKED for a revolving credit card and frankly I didn't need one. I had a credit card and debit card I could easily have used to pay off the purchase at the time. This WAS NOT CLEAR TO ME AND RESENT HOW THEY UNDERHANDEDLY WENT ABOUT STICKING ME WITH A CREDIT CARD! I have tried many times to deal with XXXX and Comenity and have documented the whole thing. On XX/XX/19 I sent a certified letter to Comenity Bank 's HQ, even paid off the account and asked them to close my credit card and will take them to small claims court if they don't reverse the interest fees ( that are currently at {$41.00} as of this writing ) by XX/XX/19. I have not heard anything from them at this writing. They have no right to deceive me and charge me interest without my CLEAR AND CONCISE CONSENT!
Company Response: Closed with explanation

Timely Response

2019-10-13

Key Biscayne, FL

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief

Timely Response

2019-10-13

Bronx, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.
Company Response: Closed with monetary relief

Timely Response

2019-10-13

Brooklyn, NY

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
Company Response: Closed with explanation

Timely Response

2019-10-13

Brooklyn, NY

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
Company Response: Closed with explanation

Timely Response

2019-10-12

Hollywood, FL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-10-12

Sangerville, ME

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Complaint: I am disputing a deceptive finance charge associated with my XXXX XXXX credit card. Comenity Bank claims the due date for the final payment was three weeks earlier than the other 11 months of payments because it was based on the purchase date. This is in direct contradiction to what I was told by the sales associate at the time of purchase. The sales associate stated that my payments would be due at the end of each month. Despite paying all of my payments by the due date of the XXXX of each month I was assessed a finance charge for all 12 months of interest exceeding {$600.00}. I have tried to resolve the dispute with the bank but the customer service representative told me I would have to dispute the charge with the credit bureau in order to get the bank to respond. The banks practice is unfair and deceptive and therefore I am disputing the finance charge.
Company Response: Closed with explanation

Timely Response

2019-10-12

Milwaukee, WI

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: On XX/XX/2019, the complainant to advantage of a promotional offer from XXXX that allowed you to receive a {$25.00} credit when apply for an XXXX credit card toward you first purchase where a {$38.00} purchase was made. ( see XXXX credit card statement [ XXXX ] New Balance {$38.00} ). On XX/XX/2019, the complainant made a {$10.00} payment to XXXX which only left the {$25.00} promotional balance due, however XXXX log the payment as a {$10.00} credit adjustment and assessed him a {$27.00} late fee and {$2.00} minimum interest charge which is fraudulent! ( See XXXX New Balance {$54.00} ). The complainant deemed this debt satisfied after making the {$10.00} payment plus the {$25.00} promotional credit. The complainant then contact ( by phone ) XXXX credit card consumer services ( ComenityCapitalBank [ CCB ] ) and they assured him that the {$25.00} promotional credit would be applied and the debt would be satisfied and waive the {$27.00} late fee and {$1.00} minimum interest charge ; however, the XXXX never applied the {$25.00} promotional credit. ( See XXXX New Balance {$57.00} ). On XX/XX/2019, the complainant sent XXXX a message through its message box that " My account was supposed to be credited {$25.00} for opening my new account '' and was advised to its Customer Care Department by phone. ( See Email correspondents dated XX/XX/2019 ). Thereafter, XXXX sent the complainant a unrealistic letter indicating that provide them documentation of the promotion 2 months later because the only are presently offering {$25.00} promotion ( incentive ) for its XXXX Visa credit card not the XXXX Projekt Card which you possess. ( See XXXX letter dated XX/XX/2019 ). On XX/XX/2019, the complainant inflamed XXXX with a letter ( dated XX/XX/2019 ) indicating that they continue to try to collect {$25.00} promotion credit that they refuse to honor where he asserted to XXXX that bate and which is prohibited credit practice and he would proceed with further legal actions unless the honor their promotion and provide him a zero balance. ( See letter Complainant message dated XX/XX/2019 and XXXX 's dated XX/XX/2019 ). Yet, XXXX ( XXXX ) continue to try and collect the {$25.00} promotional credit and sent him a new ICCS with a new balance of {$57.00} assessing him a new late fee of {$30.00} plus {$2.00} minimum interest charge. ( See XXXX New Balance {$57.00} ). Thereafter, the complainant received a call from XXXX 's representative in a attempt to collect the {$57.00}. At this point, XXXX representative began to extort the complainant ( figuratively ) by holding his stellar credit hostage and demand the ransom of {$57.00} to eliminate the debt. However, the XXXX representative settled for a {$27.00} ransom ( payment ) to release the debt, and waived the {$30.00} late fee. ( See XXXX New Balance {$0.00} ). Because XXXX does not provide a Date of its statements ( just a payment due date ), I have to reference its credit statement as " New Balance ''. This is an unfair practice by XXXX as well not to give the debtor time to pay if not received in a reasonable time frame. Thereby, because of XXXX 's predatory lending practices, i.e., referring the complainant {$10.00} payment as a credit adjustment ; and once a late fee is waived based on purported promotions not honored, how can you deem the payment as late! Therefore, the " 30 day late payment '' must be removed from the complainant 's credit report.
Company Response: Closed with monetary relief

Timely Response

2019-10-12

Canton, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting
Company Response: Closed with non-monetary relief

Timely Response

2019-10-11

Canfield, OH

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 monetary relief

Timely Response

2019-10-11

San Francisco, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-10-11

IL

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Complaint: Commenity/XX/XX/XXXX has been sending me emails about balances due for the last several months. In response to the emails, I have sent messages beginning about XX/XX/2019 telling them that the amounts are fraud and to please close my account. Today, I received another email stating that a balance was due. I told them again through their email service that this is fraud. I also asked them what paperwork I needed to send in to notify them again that there has been fraud. about 2 hours later I received a text to call them. I called them and they said there is a balance due and there is 1 missed payment. The lady said that my account was not tagged with fraud and they didn't see any fraud. I did not authorize the transactions that have led to the balance owed. How long will this go on before they understand this is fraud. I asked for this account to be closed a couple of months ago. Please do not let them report erroneous information due to fraud that they have yet to handle. Please have someone with authority call me back from the company so I can finally get this issue resolved. My phone number is XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-10-11

Bacone, OK

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-10-11

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-10-11

Oxford, GA

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Confusing or misleading advertising about the credit card
Complaint: On XX/XX/XXXX, I APPLIED FOR A STORE CREDIT CARD WITH XXXX WITH A BALANCE OF {$1800.00} FOR A PROMOTIONAL PERIOD OF 12 MONTHS @ O % INTEREST. UPON LOGGING INTO MY ACCOUNT TODAY ON XX/XX/XXXX MY BALANCE REFLECTED AN INCREASE IN XXXX IN FINANCE CHARGES AND INTEREST FOR A NEW BALANCE OF XXXX. I HAVE MADE MONTHLY PAYMENTS ON THIS ACCOUNT FOR 12 MONTHS NOW OF AT LEAST {$160.00} AND SHOULD HAVE A VERY SMALL IF ANY BALANCE LEFT. WHEN CALLING THE CARD ISSUER TODAY I WAS INFORMED THAT THE NEW BALANCE REFLECTED IS DUE TO FINANCES CHARGES AND INTEREST ACCRUED FROM THE BEGINNING OF THE PLAN START DATE. THIS IS MISLEADING INFORMATION THAT WAS PROVIDED TO ME UPON SIGNING UP FOR THIS OFFER AND HAD I KNOWN THIS PREVIOUSLY I WOULD HAVE MADE SURE THIS HAD A XXXX DOLLAR BALANCE ON XX/XX/XXXX. FURTHER MORE, I HAVE NOTED A ACCOUNT ASSURE CHARGE PLACED ON MY ACCOUNT THAT I HAVE NOT SIGNED UP FOR AND HAVE NO NEED FOR AS I HAVE BEEN GAINFULLY EMPLOYED WITH NO RISK OF UNEMPLOYMENT. I BELIEVE THIS WAS PLACED ON MY ACCOUNT FRAUDULENTLY AND AGAIN SHOULD BE INVESTIGATED FURTHER AS IT HAS PREVIOUSLY BEEN SETTLED IN A FEDERAL LAWSUIT.
Company Response: Closed with monetary relief

Timely Response

2019-10-11

Portsmouth, VA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2019-10-11

KY

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I opened a XXXX store card in XX/XX/2019. The company they use is Comenity Bank. I was sent the first statement in XXXX. The due date was too soon after receiving the bill and I was one month late paying my initial purchase bill. I paid the full purchase balance off with the first bill. I was charged a late fee and a finance fee. This was in XXXX of this year. Since then, they have continued to charge me a late fee and finance charge even though I had already paid off the original balance. So I am being charged a late fee for paying a late fee late- and a finance charge on the late fee. Even though there has been no balance to finance. I have proof off all transactions to show this. I called the company to attempt to settle and was told there was nothing they could do. This call took place on XX/XX/2019.
Company Response: Closed with explanation

Timely Response

2019-10-10

Hollywood, FL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief

Timely Response

2019-10-10

OR

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Complaint: I have two open and current accounts that are not showing on my credit report. The first account is with Commenity Bank XXXX and the second is XXXX XXXX credit card. Commenity back I have had numerous problems with and my current account with them was showing on my report for a while but it just somehow disappeared today even though the account is still open and in good standing. This hurt my credit file drastically. The next is a XXXX XXXX credit card that is in good standing but doesnt show on my report.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-10

Foothill Ranch, CA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: Made a purchase of {$31.00} on XXXX/XXXX/19 on my XXXX credit card. I paid {$31.00} on XXXX/XXXX/19 ( which was late ) so I paid an additional {$27.00} on XXXX/XXXX/19. Ever since I have been getting additional bills that assess a late fee for the late fee that I didn't pay on time and now my bill is at {$120.00}. The credit card company agreed to close my account if I paid an additional {$34.00} which I did but the whole situation feels incredibly wrong to me. My account is now closed as of XXXX/XXXX/19 but I have paid {$61.00} in late fees for a {$31.00} purchase that I should have paid in cash. How do the credit card companies get away with charging you late fees for late fees when the original bill has already been paid off?
Company Response: Closed with explanation

Timely Response