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 20
2019-10-01
Frederick, MD
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Privacy issues
Company Response: Closed with non-monetary relief
2019-10-01
Brooklyn, NY
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: they are still calling my husband and he is not a signer on this account, this is causing a lot of marital problems
Company Response: Closed with non-monetary relief
2019-10-01
AZ
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: I had an interest only promotion from XXXX XXXX/Commenity Bank.
I called for a loan payoff prior to term ending and paid on XX/XX/XXXX the payoff of XXXX.
All of my payments were made for XXXX.
They charged {$400.00} dollars for interest after the payoff. Continue to charge interest and late fees on the incorrectly charged interest in the first place. I have called 3 times and told they will never remove the interest fee applied post the payoff receipt on XX/XX/XXXX. All fees have been incurred since then. I have had this card for years and rarely use and now they are reporting 30, 60 days late on my credit report via XXXX and the other agencies as well.
I did not use an actual card for this charge they processed electronically. The company will not provide me with the account number only my statement has the last 4 digits.
Company Response: Closed with monetary relief
2019-10-01
Las Vegas, NV
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
2019-10-01
Agua Dulce, CA
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with monetary relief
2019-09-30
Patterson, MD
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XX/XX/XXXX I contacted Commenity Bank after a week 's worth of trying unsuccessfully to register and pay my " XXXX '' Mastercard bill. I have yet to receive a statement ( either paper or via email ) from the company and I was trying to pay my bill online to prevent a late payment ( as a result of such ). I spent 20 minutes with the first customer care representative who failed to help me register my account online. I asked to speak to a supervisor who " magically '' registered my account. Today, when I attempted another sign-in to pay my card, I given the same error message that I have received on XX/XX/XXXX and the week prior which is that they were unable to locate my account information. They asked me to provide information within three separate boxes : 1.My credit card number, 2. My billing zip code, 3. The last four digits of my SS number. I input all of this information multiple times before being locked out of my account. I am assuming that my bill is now overdue and late. Can you please look into this issue for me?
Thank you, XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-09-30
Jupiter, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I went to XXXX XXXX in XXXX XXXX XXXX Florida for a XXXX XXXX, and upon completion they instructed me that a XXXX that they worked on 2 years prior had a problem. I thought about it, and came to the conclusion that I would have another XXXX look at, especially if there work was failing. The cost to repair the XXXX they had previously worked on was {$5000.00} in which I did not know they had planned to do the work and had set up a line of credit through Commenity Bank and charged my new found account {$440.00} for NO SERVICE PROVIDED. Now I have had this show up on my credit and have disputed with XXXX, Commenity Bank, and 2 of the credit reporting agencies and the credit reporting agencies removed it and 1 month later it resurfaced differently as an active account with late pays instead of a collection. The 2 were XXXX, and XXXX. I would like an investigation into this matter as I am sure I am not the only one dupped by XXXX XXXX.
Company Response: Closed with explanation
2019-09-30
Holmes Center, IL
Fees or interest
Credit card or prepaid card: Store credit card
Charged too much interest
Complaint: XXXX, XXXX 2019 purchased new furniture at XXXX XXXX XXXX in XXXX Illinois for {$4000.00}.
This was using their credit card through Comenity Bank, It was interest free for 48 months. I signed up for automatic withdrawal with 1st payment due XX/XX/2019. I was making sure 1st payment came out on time by checking my bank account because they said if I was late on any payment I would have to pay the interest. On XX/XX/XXXX no payment had been taken out so I called up Comenity Bank ( XXXX XXXX XXXX number on back of the credit card ) and they told me that the automatic withdrawal wouldn't start till XX/XX/XXXX so I needed to make a payment that day so I wouldn't be late. So over the phone I made the {$140.00} minimum payment. Later that day I had another charge of {$140.00} from Comenity that was pending..thought it was probably a mistake and it would clear out. On XX/XX/XXXX that charge went through so I had made a double payment for the month of XXXX. I called Comenity and they said they were wrong that the automatic withdrawal had gone through for XXXX and they would refund my payment back to my bank I made on the phone which they did on XX/XX/XXXX. I started looking at my statements and noticed I was being charged interest on an agreement that had 48 months interest free, Monday XX/XX/2019 called Comenity Bank and asked why I was being charged interest and they said when they refunded my double payment in XXXX they decided that that was a new charge of {$140.00} and not under the interest free 48 months! Not only are they making me pay back the double payment of {$140.00} at {$5.00} a month but also charging me {$3.00} a month till it's paid!! {$140.00} divided by {$5.00} a month that will take 28 months with {$3.00} interest a month that's {$98.00} interest on a {$140.00} payment that I should have never had to pay as they took 2 payments out in XXXX! I called XXXX XXXX XXXX phone number and they said they had nothing to do with the financing part and I would have to deal with Comenity Bank.
Company Response: Closed with monetary relief
2019-09-30
Buford, GA
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2019-09-30
Chicago, IL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-09-30
Smyrna, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with non-monetary relief
2019-09-30
North Hollywood, CA
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 non-monetary relief
2019-09-30
FL
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
Company Response: Closed with explanation
2019-09-30
Orange, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with non-monetary relief
2019-09-30
Chicago, IL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: We received this credit card when we went to purchase our car in XXXX of XXXX. It is through Comenity Capital Bank and XXXX XXXX XXXX. It was a promotional deal for a downpayment.
On XX/XX/XXXX I set up our payment method as our bank account and set the automatic payment date to be the date of the first payment due, XX/XX/XXXX.
On XX/XX/XXXX I realized I was never charged. I went to my email to check to see if I received a notification of an error. There was nothing.
I logged onto the account and saw no notifications of any kind. So I went in to the bank account information to double check everything was correct. It was. So I set up a new payment to go through on XX/XX/XXXX.
That payment went through. When I logged in again to view the first statement I saw a {$28.00} fee for " Returned Payment ''. I was confused and reached out to support to ask why I was charged this fee. They informed me that I had cancelled a payment which incurred a fee. I explained to them that I never cancelled a payment and that I contacted my bank to see if they had returned a charge and they informed me that they saw no charge on my account except for the charge on XX/XX/XXXX.
So I responded and told them it must have been an error with their system. Their response was to tell me my account was suspended since a payment was " returned ''. So a different response and still no refund of the fee.
I responded to tell them I was confused as to how they were handling the situation and why, if a payment was returned or cancelled, I had not gotten any notification via email or phone. I have not received a response but I am very angry because I feel as though they are charging fees for nothing and that is fraud.
Company Response: Closed with explanation
2019-09-29
Klein, TX
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-09-29
WA
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
Complaint: I Received a bill from XXXX Platinum Credit Card Saturday, XX/XX/XXXX via email, stating that I owed {$19.00} for the XXXX XXXX XXXX XXXX.
I sent them a secure message via the link provided in the bills email, stating that I did not owe that, but was told it was the incorrect place to send a message and that I needed to contact Comenity Capital Bank. I thought that was who I was messaging. Very Confusing.
I contacted XXXX XXXX and they verified that I had canceled the club membership XX/XX/XXXX ( XXXX XXXX from XXXX XXXX, verified it ) I sent a dispute letter to Comenity Capital Bank, via registered return/recieved mail, to the address they provided ; signed XX/XX/XXXX, with a stamped signature. My letter explained that I did not owe them any money along with the email verification from XXXX XXXX of my cancelation back in XXXX of XXXX by XXXX XXXX.
I received a letter acknowledging the receipt of my dispute letter, which was dated XX/XX/XXXX. They asked me to give them 90 days to investigate my claim and that they would notify me of their findings. I have not received an answer to date.
I received a debt collection letter from Comenity Capital Bank as a response to my cease and desist request sent via the secure message center due to collection phone calls from them, wanting to resolve the matter by having me pay 50 % of the alleged owed amount, late fees and interest. I did not owe any of the money to begin with.
In XX/XX/XXXX, I applied to receive the new XXXX XXXX XXXX and was turned down by XXXX XXXX, due to negative information on my credit report. The negative reporting was by Comenity Bank/XXXX XXXX. They have reported me being delinquent since XX/XX/XXXX ; which was during the 90 day investigation they were supposed to be doing.
My credit report shows only one negative account ; which is ComenityBank/XXXX. They show me delinquent from XX/XX/XXXX to present and my credit score has gone down.
Company Response: Closed with monetary relief
2019-09-28
Lexington, KY
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Company Response: Closed with monetary relief
2019-09-28
Far Rockaway, NY
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
2019-09-28
Smyrna, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with non-monetary relief
2019-09-28
Green Valley, NV
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Closed with explanation
2019-09-28
Arco, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Confusing or misleading advertising about the credit card
Complaint: The card was, and still is advertised as interest free for one year.
The card was issued online, as part of the checkout process of an online store called XXXX.
The card is issued by comenity.com When asked about minimum payments and avoiding interest, Comenity.com representatives offer information that is at times vague, and at times contradicts the terms promoted.
It seems almost designed to mislead customers into violating the terms of the one year interest free offer, possibly in an attempt to collect interest and fines.
Company Response: Closed with explanation
2019-09-27
Brazoria, TX
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
2019-09-27
Aurora, CO
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: Comenity Bank applies payments in a fashion that is not disclosed to the consumer in order to create a balance subject to finance charges. Specifically when paying off a 0 % promotional purchase balance by the due date specified on their statement they have applied a portion of that payment to a monthly minimum payment prior to its due date. It is unfair and not clearly stated on their statement. Their customer service agents were unwilling or unable to explain it until escalated to a supervisor. The scenario they create by misapplication of payments allows them to unfairly charge interest/ finance charges. I have enclosed attachments that document what has happened in my case.
Company Response: Closed with explanation
2019-09-27
Orange, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: e purchased two pieces of furniture from XXXX XX/XX/2018. We sent the first piece back with no problems, but the second piece we sent back was a month out. We called the company to confirm that someone could pick up the furniture because it was damaged and we didn't want it. They agreed and we paid a XXXX dollar re-stocking fee with them, however, they keep sending us bills for the furniture and we've already paid the re-stocking fee and anything that goes along with it. Now they're saying because of late payments for a couple of months, that we owe them up to {$490.00} for late payments when we don't have the furniture in our home and it was already supposed to be taken care of.
Company Response: Closed with explanation