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 19
2019-10-04
Palos Park, IL
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: Around XX/XX/2017, my XXXX account was behind. It is through Comenity bank. I contacted Comenity bank for my XXXX account, about making payment arrangements. XXXX XXXX XXXX, a Comenity bank representative for my XXXX account, arranged and set up a series of payments to come out of my account bi-weekly, which Comenity would later say never happened. Then there were continuous late fees throughout the process.
Then all of a sudden, my accounts through Comenity were closed, even those in good standing, when I asked for a reduction in total amounts owed on this XXXX account ... .and reporting on my credit report was changed to paid and in good standing. Then they were no longer listed on my credit report.
Six months later, the reporting starts up again, and begins reporting delinquency again. The balances are overinflated and totally unfamiliar to me.
How can I trust the accuracy of this banks billing process, when they could not even honor the agreement that I made with them ; first by denying that the agreement was ever established ( even though they were clearly withdrawing the arranged funds from my account biweekly ), then the continuous late and non payment fees that made the payments that I was making counterproductive to the process of working towards anything other than it being a means for me saying that I would like to do something? It was like I was being consumed by sharks and no matter how hard I tried, they were going in for the kill.
They are reporting figures that I dont have the means to pay monthly, without starving myself and my family to death and succumbing to a life of homelessness. All I asked for very early on, was a reasonable settlement of this account. But of course, they will say that they have no record of that. I can not pay all these years of late fees and penalties. Theyve already written the account off as a loss and have been paid by their insurance for it. Now they want to collect even more money, on the same account that theyve already recouped their losses for, at the expense of holding a credit score and/or lawsuit over my head? Really?
I no longer know whats what, as far as what I truly owe them. I would never recommend Comenity bank to anyone, because I DO NOT trust their practices. And they have no compassion for you as a human being, when crises arise in your life. Im not going to just give them whatever they say, for clothes that were already donated to charity, so very long ago.
Company Response: Closed with explanation
2019-10-04
Jamestown, NC
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with monetary relief
2019-10-04
Lewisville, 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 late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX & XXXX only ) 30 days late as of XX/XX/2018 ( XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Company Response: Closed with explanation
2019-10-04
Church Point, LA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Delay in processing application
Complaint: Contacted Comenity Bank numerous times regarding a mycash master card application. Was constantly transferred from department to department, dealt with rude reps and poor customer service. I spoke to management who was also unable to provide any resolution.
Company Response: Closed with explanation
2019-10-04
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2019-10-04
Lannon, WI
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-10-03
Blackbird, DE
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: XX/XX/2019 XXXX Purchase {$570.00} chosen ( 12 ) month interest free.
XX/XX/2019 XXXX Refund {$120.00} credit to account for missing parts.
XX/XX/2019 FINANCE CHARGE {$12.00} Disputed fees ( 12 ) month interest free.
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free.
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free.
XX/XX/2019 FINANCE CHARGE {$9.00} Disputed fees ( 12 ) month interest free.
XX/XX/2019 Opened a dispute with Comenity Bank, issuer XXXX XXXX.
Comenity Bank alleges, that option for ( 12 ) month interest free would have been available at checkout.
Customer, alleges that option was chosen as only two options we're presented at checkout. Option : ( 1 ) 3 % cash back or Option : ( 2 ) ( 12 ) month interest free. Option : ( 2 ) chosen.
Company Response: Closed with explanation
2019-10-03
Philadelphia, PA
Closing your account
Credit card or prepaid card: Store credit card
Company closed your account
Complaint: Today I noticed through my free credit score tracker that my score tanked 47 points due to an account closure. I haven't cancelled any accounts recently, so this seemed pretty odd to me.
I went through my spam emails and discovered an email from Comenity Bank saying they would close my account due to non-activity.
It is extremely disappointing that I only received one email, and that no other forms of communication such as mailed letter or phone call were attempted.
My score has gone from " good '' status to " poor '' in the matter of an instant and that really hurts.
I called Comenity today and they said there was nothing they could do and offered no support whatsoever.
Company Response: Closed with explanation
2019-10-03
TX
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: This complaint is filed to express my disappointment in the way Comenity Capital Bank handled a good will attempt from me as the customer to resolve a missed / late payment that occurred in XX/XX/2019. I had the unfortunate experience of having my wallet stolen in XX/XX/2019 there within my identification, bank cards, credit cards and my bank account numbers were stored. As a result, I had to freeze my bank accounts and cancel the credit cards in preventative steps to avoid further incident. My monthly reoccurring Zales XXXX account payment was tied to my bank account and was automatically withdrawn on due date every month. During this distressful period of trying to monitor my accounts against fraudulent activity after the theft, closing credit cards and having them reissued I also had to switch the bank account I had on file setup for automatic withdrawal with respect to the Zales credit account. Therefore, a couple of payments to creditors were late that which included Comentity Capital Bank. Once the oversight was detected I immediately corrected the deficiency and made the payments that were unintentionally missed to the creditor. Regardless, Comenity Capital Bank has reported a 30-day late payment to the bureaus that I discovered later and my credit scores have been significantly impacted as a result. My credit history with Comenity Capital Bank was in excellent standing prior to this incident. I explained details of my situation in good will and faith to Comenity Capital Bank and to my astonishment no help was extended by Comenity Capital Bank even as a one-time courtesy, given the extenuating circumstances, to reverse the adverse reporting made to the bureaus. I was extremely disappointed at their refusal to reconsider my request given the circumstances.
Company Response: Closed with explanation
2019-10-03
Washington, DC
Communication tactics
Debt collection: I do not know
Used obscene, profane, or other abusive language
Complaint: On XXXX I was called on my phone via a blocked number at XXXX while at work. Upon answering the call I was greeted by a question is this XXXXX ( asking for name of Consumer ) I said whom are you and what business do you have calling me. She stated that she was with Comenity Bank and wanted to see if I wanted to settle an alleged debt in the amount of $ 400+ dollars and asked for name again. I told her that she is first in violation of the FDCPA 15USC 1692d ( 6 ) and 15 USC 1692c ( a ) because they caused my personal telephone to ring and have communicated with a federally protected consumer via telephone without the consumers prior consent or the express permission of a court of competent jurisdiction. She continued the conversation ( further violation of 15 USC 1692d ( 6 ) ) and asked would I like to settle again. I proceeded to ask her what was her name and ID number. She lied and said she does not have an ID number and could only supply a phone number ( XXXX ) and her name, XXXX ( spelling ). She went on the threatened me to say that if I didnt pay that my personal identifying information and this alleged debt would be sent to an attorney. That statement is not only a violation of the FDCPA ( 1692d ) but is also false and misleading. To further I had to ask her was she attempting to collect and alleged debt in which she replied yes. Throughout our entire conversation she did not state that or let Consumer know that she was a debt collector attempting to collect a debt and any information obtain would be used for that purpose as this was my initial oral communication with this company which is a blatant violation of 15 USC 1692e ( 11 ). Upon me telling her that she has violated the FDCPA many times in the time span of me being on the continued call she transferred me to her supervisor, XXXX ( ID # XXXX ). Upon speaking with him he to did not give notice that he was attempting to collect a debt and violated 15 USC 1692e ( 11 ) as well. I told him of my long conversation with the previous representative and told him of the FDCPA violations also. I further asked was his company the original creditor and he stated yes. That is not only false and misleading as the previous rep stated she was a DEBT COLLECTOR, this is as well harassment as I have no fist hand knowledge of any TRANSACTION with Comenity Bank and is not in concurrence with 15 USC 1692a ( 4 ). Lastly I told the supervisor I would be submitting a complaint to the CFPB for their violations of the FDCPA and and seeking monetary relief for the mental anguish, emotional distress and harassment I have endured.
Lastly I ask the CFBP to have Comenity Bank show proof of a TRANSACTION that would prove that the consumer owes this alleged debt. Also please have Comenity Bank answer each of the following rebutting point for point, word for word, under penalty of perjury and sworn affidavit that -They have not violated the FDCPA and trespassed and invaded the consumers legally protected interest ( privacy ). Thus liable under 15 USC 1692ka1 - Does this company have possession and utilizing the consumers Social Security TRUST ( SSN ) account number? If so without my prior authorization they are in violation of 12 CFR 1022.3h. If not then they are in in violation of the FDCPA due to harassment because they are trying to collect and alleged debt from someone without the correct identity.
Company Response: Closed with non-monetary relief
2019-10-03
San Jose, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: My complaint is against Comenity bank / XXXX, account # XXXX XXXX XXXX XXXX, open XXXX, credit limit {$500.00}, in XXXX balance at the moment. I sent a dispute letter to the mentioned company back on the XXXX of XXXX by mail because it is the only way you can dispute with them. Checking my reports and saw no dispute marks, they not only disregarded my dispute letter but they didnt even took the decency to investigate my account after receiving my dispute notice. This is a clear violation to the Fair Credit Reporting Act. This mentioned company has a late mark in my account which I was never late. Their negligence as evident is causing me a great financial problem. I do not want to take this case to court, but this unfair business practices, negligence, fail to investigate my account and if I seat down with my lawyers the list of violations will just increase. Im using the Consumer Financial Protection Bureau as my last resource to try get this company to remove that negative mark from my reports and provide me with a deletion letter through CFPB portal as soon as possible. If I have to take this case to court and let a judge decide this dispute I will. Im attaching letter I sent to them and proof of that they received the mail. Thank you!
Company Response: Closed with explanation
2019-10-03
Oxford, GA
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: When I make an online payment it tells me that my balance is one price ; however, it is higher than the balance that they project online. For example, my online payment was a minimum of {$35.00}, I paid the minimum but I am getting outrageous phone calls from comenity saying that my account is past due. In actually, that isn't true because I paid what they had online. When I call them and see why my account is delinquent, it's because my payment was higher than what was shown online. It was {$50.00}, not {$35.00}. So now I owe, $ 50+ {$39.00} late fee= 79. I explained to them that isn't fair because I did my part. I have pictures to send.
Company Response: Closed with explanation
2019-10-02
Tucumcari, NM
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with explanation
2019-10-02
Plymouth, FL
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 reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!
Company Response: Closed with explanation
2019-10-02
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with non-monetary relief
2019-10-02
Stantonville, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I was a member of the government shut down, I asked that late payments be removed due to that fact. Comenity Bank denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.
Company Response: Closed with explanation
2019-10-02
Marstons Mills, MA
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
2019-10-02
FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Ive been a customer for several years & I've always paid on time & the full balance. Well for the past few months they have been charging me interest on something that has already been paid for. I talked to a rep & they couldnt figure it out to explain it to me but they know theres a problem. I closed the account cause I dont trust them anymore. It goes back to XX/XX/2018 till now.
Company Response: Closed with explanation
2019-10-02
Brooklyn, NY
Fees or interest
Credit card or prepaid card: Store credit card
Unexpected increase in interest rate
Company Response: Closed with explanation
2019-10-02
Kiryas Joel, NY
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
2019-10-02
Town Center, NJ
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
2019-10-02
Sebring, FL
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: I have a XXXX Credit Card. I had a non-interest promotion. I was paying more than the Minimum Payment and was not aware that payments would need to call every single payment in and ask them to allocate them to the designated promotion. I speak English and understand it with certain limitations. I prefer to have documentation in XXXX when it comes to terms and conditions. I received an email advising that my Balance and increased due to an expired promotion. When I tried to asked to see if promotion bal. could be allocated to the promotion since payments were being made over the minimum and I was not explained the allocation process. and there is no way to directly allocate payments to promotion online. I was simply told there was nothing they could do because it was expired and I will have to pay the balance. I asked to speak to a manager and the manager told me that terms for allocation process are given to customer when they sign up for the promotion that it was my responsibility to make the payment as agreed, and simply it was my fault for not reading the fine print. My son who works for a credit card company tried to call and advised to them the terms are misleading since on statements it does not advised that when getting closer to the expiration of a promotion notifications are not advised in detail to how to avoid this or explains to a customer the process. I became ill and had to be hospitalized for over 3 months starting back in XXXX of 2019. When I was discharged from the hospital I had called all my credit cards, mortgage, and they were able to removed late fees and int. charges during the period of time I was hospitalized. however this credit card told me that they had already waived 1 late fee in the past 12months and that they were not able to help in anyway they told me that I would be forced to pay the fees and int. and that they would not adj. the minimum payment prior to the time in the hospital. We are now in XXXX and I have a Balance that has increased with fees and int. and an increase to the minimum payment that as a retired senior citizen I am not able to pay.
Company Response: Closed with explanation
2019-10-01
Longwood, 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 explanation
2019-10-01
Cape Girardeau, MO
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
2019-10-01
Getting a credit card
Credit card or prepaid card: Store credit card
Sent card you never applied for
Company Response: Closed with non-monetary relief