Alliance Data Card Services

2019-10-08

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 explanation

Timely Response

2019-10-08

San Jose, CA

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

2019-10-07

East Detroit, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-07

Lk Buena Vis, FL

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 have had my XXXX XXXX card for around 2 years now. I obtained because it offered zero interest and I shop a lot at this company. I have always had issues with receiving emails with my balance so I had to keep an eye on it. On XX/XX/10 I received a call from an unknown number, which I rarely ever answer, and it turned out to be Comenity Bank to let me know that I had missed two months of payment on my cards, which rolled over {$30.00}. I had not received any notice and was completely unaware of the issue. I went on to make the payment right away, but it bothers me that now I have such impact in my credit score for something so small. I had never had a late payment in the history of my accounts and this took a toll on my score. BEWARE of this company and their methods!
Company Response: Closed with explanation

Timely Response

2019-10-07

MN

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: On XX/XX/2019 I was charged a return payment fee of {$32.00} by Comenity. I contacted the customer service line on XXXX and spoke to a rep for approximately 11 minutes. I advised this rep that I was sure I had the money in the account and it was returned by error. I asked for a courtesy return credit as I have never had one and she stated she contacted her supervisor and that they would credit my account that {$32.00} fee back. I advised that was all I needed, to this date there has been no credit to my account. I was lied to by this bank and want the CFPB to take action on my behalf. I want my credit of {$32.00} to be applied.
Company Response: Closed with monetary relief

Timely Response

2019-10-07

Lynn, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I keep getting calls from a comenity bank in which I never heard off or do I own any debt to them.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-07

Tarzana, CA

Problem when making payments

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

Problem during payment process
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation

Timely Response

2019-10-07

Arco, CA

Problem when making payments

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

Problem during payment process
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with monetary relief

Timely Response

2019-10-07

Arco, CA

Problem when making payments

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

Problem during payment process
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with monetary relief

Timely Response

2019-10-07

CA

Problem when making payments

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

Problem during payment process
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation

Timely Response

2019-10-07

Atlanta, GA

Problem when making payments

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

Problem during payment process
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation

Timely Response

2019-10-07

Sylvania Township, OH

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: Comenity Bank/ XXXX sent me a bill. I have no XXXX jewelry nor have I shopped there since 2002. This account is fraudulent. It is listed on my XXXX credit report. Comenity Bank states that they conducted an investigation and found that I owe money on an account that I have zero knowledge of or access to. I want this taken off my credit report and I want Comenity bank to stop harassing me.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-07

VA

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Complaint: I had a 12 months no interest equal pay program that I was using to purchase a piece of jewelry from my wife at XXXX XXXX. The plan is no interest if you pay all 12 equal payments. I made 11 payments consecutively on the XXXX of every month for XXXX dollars per the arrangment. The last payment of XXXX was also made on the XXXX of the 12 month of the plan. This last payment was made on XX/XX/2019, the due date using their auto pay system. Comenity Bank, XXXX XXXX card issuer, charged me accrued interest on XX/XX/2019 of {$380.00} stating that my account cycled on XX/XX/XXXX and therefore the promo expired before my payment was due. I am complaining because not only is this an unfair practice to customers but also because I made all of my payments on time per the schedule and the amounts that they provided me. I would like for Commenity to credit my account for {$390.00} and to reimburse me for the minimum payments that were taking from my checking account on XX/XX/19 ( {$30.00} ), XX/XX/2019 ( {$30.00} ), XX/XX/19 ( {$30.00} ) and XX/XX/19 ( {$35.00} ).
Company Response: Closed with explanation

Timely Response

2019-10-06

Holly Springs, NC

Trouble using your card

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

Can't use card to make purchases
Complaint: I got declined on a purchase using the XXXX comenity card on XX/XX/19. Tried calling the customer service account protection ( XXXX ). The representative who answered were asking all sorts of questions which i answered to the best of my knowledge. it came to a point where they were collecting lot of information that i started o doubt if it is legitimate call center. I asked to speak to the supervisor, to whom i spoke ( XXXX ). i said it is not fair that you need more information than the once you needed, and asked him how many questions i need to get answered to get the card unblocked. He replied he makes the rules and either answer or it will remain blocked. I declined to answer any more security questions that was asked. He hung up the phone. Here is the lsit of questions that were asked and answered. Name Card number my age last 4 of SSN address last purchase made at XXXX? amount? last balance i paid on the account my credit limit ( i wasn't sure about this but i said i can look it up ) if i had a XXXX what model and year my drivers license issued which county, date of expiriy on drivers license. after having answered all this, the representative and supervisor XXXX still determined it was not sufficient. I told them i am not convenient answering these questions anymore, with all the scam phone calls happening now. I believe I have a legitimate complaint, that this is sufficient data to get the card unblocked.
Company Response: Closed with explanation

Timely Response

2019-10-06

Stevenson, MD

Closing your account

Credit card or prepaid card: Store credit card

Can't close your account
Complaint: I have written to XXXX XXXX two times and called them asking them to close my account yet they continue to send me bills adding in penalties.
Company Response: Closed with explanation

Timely Response

2019-10-06

Randolph, MN

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: Hello On XX/XX/2019 I purchased a product from a merchant that was not what I received. Upon learning the product was not what I had purchased I contacted the merchant directly to the best of my ability. The merchant did very little to respond to my inquiries for a refund and constantly changed the email address they wanted questions directed to. After being unable to work with the merchant directly I began the dispute process with my credit card issuer by notifying them via email and then by mailing in my dispute at the end of XXXX. I was hoping to leverage the Fair Credit Billing Act to help me resolve this dispute. If the merchant sends you a different product than what you ordered it may be subject to a charge back. The product I purchased on XX/XX/2019 is not what I was being given 1 month later. The merchant eventually did release a generic statement and " partial refund '' but still refused to work with me on a full refund stating their no returns/refunds policy. While this policy is valid I still feel I am to be protected under the Fair Credit Billing Act as I did NOT receive the product I ordered. Had I known of the changes that would take place one month later I would not have purchased this product. My credit card issuer is stating the no refund policy overrides the Fair Credit Billing Act even though I did not receive what I purchased.
Company Response: Closed with explanation

Timely Response

2019-10-06

Doylestown, PA

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

Timely Response

2019-10-06

Hialeah, FL

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 non-monetary relief

Timely Response

2019-10-05

Maynard, MA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I received a call on XX/XX/2019, on my cell phone from COMENITY BANK, looking for MY SISTER, who lives in a different state and has a different last name. The caller, " Miss XXXX '' insisted that my name was on my sister 's records as a contact ( false ), and that it was urgent that I give her number to my sister, and that my sister call her before XXXX. " Miss XXXX '' called from XXXX. She said her callback number was XXXX, xXXXX. I have XXXX their number, and read MANY MANY MANY MANY MANY MANY complaints about this bank, the same number, same callback number, same tactics, and also people saying the bank was calling to reach their sister. Here 's one response : " You can thank the internet. They list all sorts of outdated information and people that you know ( even though you never heard of them or met them ). These crooks use that information to scam people. This is a debt collection extortion scam. One of the tricks they use is to call your family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money. They often call people that have never even been associated with you because they get erroneous information off of the internet. '' THIS HARRASSMENT HAS GOT TO STOP!!!! I spoke with my sister who has a very clean record of payments, has few to no credit cards, and I warned her to get a free credit report to see if this horrible company put something on her report. I will block this company 's number on my phone, and she will do the same. PLEASE TAKE ACTION SINCE I AM NOT ALONE!!!
Company Response: Closed with non-monetary relief

Timely Response

2019-10-05

Mabank, 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: My social security card was stolen along with other items and was use to try to get a XXXX XXXX credit card, XXXX XXXX credit card, & XXXX XXXX credit card. I called numerous to resolve the issue with Comenity Bank but no resolution. I also called the credit bureaus. The inquiry remark from XX/XX/XXXX & XXXX is damaging to my credit.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-05

Valley Glen, CA

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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITY BANK/XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation

Timely Response

2019-10-04

Palos Park, IL

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 opened a XXXX XXXX credit card to get a discount on a purse for my wife for XX/XX/XXXX. then the nightmare started!! I paid for the purse with the newly opened XXXX XXXX credit card The purse was out of stock at the XXXX XXXX IL store and had to be shipped to my house I never received the purse in the mail and notified the store. The store told me they would look into it but the color purse I originally ordered was complete sold out I had to purchase the same purse but in a different color at the store it was in stock - the store and Comenity Bank has records of the second purchase I paid for the second purchase with my XXXX XXXX credit card again and paid it off in full when the statement came XXXX said they would investigate and said the post office had confirmation the first purse was delivered to my home and left in my mail box. I said I live in a rural area and if it was delivered it was never received by me or anyone else in my house, and the post office would often leave packages in front of my mail box or on the driveway by the street. They said the post office left it in my mailbox. This is 100 % not true because the purse was to big to fit in my standard and only mail box. It was impossible to get the purse in the mail box!! What made matters worse was XXXX XXXX went out of business and wouldn't return calls or letters I sent. I notified Comenity Bank and they were absolutely horrible to deal with. I called and kept asking to talk to supervisors and also wrote many letters. I went on like to find out more about Comedity Bank and their reviews were terrible. They have zero empathy for anyone and are like robots. I asked everyone I talked to at Comenity Bank would they pay for a purse they never received? The standard reply was its not their problem. I said I wasnt going to pay for something I never physically received. Harassing phone calls started and kept continuing all hours of the day and weekends. They were very unprofessional and exstreamly ignorant. I finally had to tell them to stop or I was going to call the Police. I have filed complaints with the credit reporting agencies and Comenity takes it off the credit report then puts it back on. Its just a game for them This has damaged my FICO credit score and is unfair that they can and do treat people like dirt with no compassion or repect. Then they are allowed to damage their credit. I have always worked hard and paid my bills on time and do not deserve the unfair tactics by Comenity Bank. Please Help
Company Response: Closed with explanation

Timely Response

2019-10-04

Bakerville, WI

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 non-monetary relief

Timely Response

2019-10-04

Bakerville, WI

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 non-monetary relief

Timely Response

2019-10-04

Carver, MA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2019 - 30 AND 60 DAYS LATE 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

Timely Response