Alliance Data Card Services

2017-03-16

Nyc, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: I applied for a new credit card and was declined. Once I was declined, I checked my credit report and noticed that Comenity/XXXX reported my account as delinquent. I called the number to figure out what was going on with my account ( I did in fact have an account that I thought was current ). Upon calling, I was told that my account had fallen behind and I was unsure of why when everything was set to auto-pay. I came to realize that when I moved and lost my debit card that everything was set to auto-pay with was replaced, the numbers on the card were different and the account began falling behind. My phone number is different that what the account was listed ( from what I was told ) along with my address. My address is currently XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received a call or letter showing that my account was behind -- at least to an active address and phone number. Once I spoke with the representative, I was told that if I paid the amount requested, the negative account could and would in fact be removed. In speaking to someone from Comenity recently, I was told that is not the case. I then requested & required that they send all communication they had on file to me for my file to my current address so that I could have record of it but got the run around stating that they were unable to do so. I know for a fact that the calls are recorded so there is no reason they could not pull the transcripts pulling my call log from last year when I settled the account and was told it would be removed. I 've also requested any written correspondence before and after the account was settled both showing what I 've owed and their follow up validating my payment, etc. I 've still not received this information and am getting the run around from them every time I call. When I called them today, XXXX XXXX, 2017, the automated system says that I still have an outstanding balance of $ XXXX. This should NOT be the case!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-16

Stockbridge, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Brkn Arw, OK

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-16

Ammon, ID

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

WA

Incorrect information on credit report

Credit reporting:

Account status
Complaint: PayPal was supposed to remove an old account with them off my credit report. I now have a new account with them in good standing
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-15

New Britain, CT

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

NY

Unsolicited issuance of credit card

Credit card:

Complaint: This credit card was never activated. A purchase of {$12.00} was made at the XXXX in XXXX, FL on XX/XX/XXXX. A XXXX card was presented for payment, not a XXXX card, yet this purchase was charged to the account referenced above, said card never having been activated. . Check # XXXX on our XXXX account, marked paid in full, dated XX/XX/XXXX, was sent out and our bank records show that an ACH withdrawal by Comenity Bank was made on XX/XX/XXXX. PROOF OF PAYMENT from XXXX account : XX/XX/XXXX ACH COMENITYCARD PAY CHECK PYMT XXXX~ {$12.00}
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-15

Sewaren, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

AL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Reference complaint XXXX in which XXXX attempted to collect a debt from me. XXXX is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. COMENITY CAPITAL BANK continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-15

APR or interest rate

Credit card:

Complaint: XXXX visa interest rate too high and credit limit too low
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Cheverly, MD

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: They are not licensed to collect in the state of MD. I will upload their information for proof!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-15

OK

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Gladstone, MO

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Oxford, GA

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: CCB/PPC XX/XX/2016XXXX. I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thanking you in advance.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Bostonia, CA

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

Scottsdale, AZ

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

Janesville, WI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Jefferson, WV

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Three Bridges, NJ

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

IN

Balance transfer

Credit card:

Complaint: Comenity Meijer. Got an offer for balance transfer zero interest until 2018. I initiated the balance transfer online from this card to XXXX for {$900.00}. It posted to my account XX/XX/XXXX. I followed up got late fees and interest. It never posted. Comenity indicated to wait, it could take weeks or months. In XXXX I believe I contacted them again via messaging. Finally they opened up an investigation. In XXXX I received a letter that it was never cashed and I called to have the money returned to my account. They advised they would stop payment immediately and get the money back into my account. They never did. Called again in XXXX and they said they 'd investigate. Never called back. Called back again and was told it was cashed so I asked ONCE AGAIN for a copy of the cancelled check. I was told a request would be escalated. Instead I got a letter confirming the check number XXXX cashed and they were closing out their file. I called today for a copy of the cancelled check AGAIN and the rep said the next day notes were put in the day after the letter was generated, XX/XX/XXXX, that check was NOT cashed. I said then stop pay and refund my account immediately. She said she 'd send to the person assigned to look into this. My first inquiry was XXXX and now it 's XXXX and I am out of {$900.00}. I need this resolved immediately.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Richmond, VA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-14

Chicago Heights, IL

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

Garrett Park, MD

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In XXXX 2017, my identity was stolen, and used to open a series of fraudulent credit cards. One of them was a " XXXX '', issued by XXXX. Having contacted them and explained the fraud, they informed me that the identity thief had been granted immediate credit in excess of {$1000.00}. Instead of immediately closing the account and expunging the debt in accordance with FTC and consumer law, I was informed that the account would remain open for up to 90 days, during which time the fraudulent balance would still stand. I would still be billed, and would still be found legally responsible for this fraudulent debt in my name. No other credit card company took these ridiculous steps, even those for which the falsely obtained debt exceeded {$3500.00}. As I have no intention to pay debt for which I am not legally responsible, and it was indicated that the matter would remain open for 90 days, it is now a real concern that this matter would adversely affect my credit report. I have already filed a separate FTC complaint regarding the theft as a whole, but the actions of XXXX in particular currently stand as a real and pertinent danger to my credit, all because the organization refuses to take responsibility for their facilitating the theft. It is my hope that they can be made to comply with the law, fully and completely cancel the fraudulent account in my name, and erase the debt.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

NJ

Late fee

Credit card:

Complaint: XXXX Comenity Bank XXXX XXXX Ohio, XXXX I have been a XXXX holder for over ten years and have never had a billing dispute or late payment. I am extremely upset by a recent interest charge on my bill and I have spoken with your Customer Service Representative XXXX in the XXXX Call Center office who suggested that I contact you via fax. On XX/XX/XXXX I purchased a sofa from XXXX for XXXX on a XXXX payment plan. The purchase of the couch and the incentive plan was encouraged by a XXXX design consultant. I have continued to pay all my bills timely throughout the course of this payment plan. This same couch that arrived in XX/XX/XXXX was substandard in quality and the fabric was in such shabby condition that by XX/XX/XXXX, XXXX agreed to pick up the couch and replace the couch with the same couch but with a different fabric. The new couch was delivered in XX/XX/XXXX and it was delivered in a defective condition. I have been emailing and speaking with the customer service department for over 2 months at this point and have sent photos indicating the deficiencies. The couch was sent missing a leg and wound up damaging our wood floors as well as hardware underneath the couch to keep the four individual pieces together. To this date, I have not been able to get XXXX to send the appropriate hardware or send someone to fix the imperfections. I have included the emails and photographs for your review In XX/XX/XXXX, we were away and missed the mail and missed one bill payment to the credit card company. As a result from one missed payment, over {$2500.00} in interest fees have resulted for this same defective couch. We are now supposed to pay over XXXX for a couch that has been delivered completely defective twice. I apologize for the one missed payment and did agree that you have financial terms to your agreement, however, your company is also supposed to deliver quality items that are worthy of the cost. In this case, we have received substandard quality and I have wasted an exorbitant amount of time and money trying to remedy this situation. The finance charge of {$2500.00} on one missed payment is exorbitant and unfair and seems to take full advantage of the consumer. I have asked for the removal of the interest charges based upon our account history, longevity and the defective product At this point, we have asked XXXX to simply pick up the couch and refund our money and start over. We have had no response to this request. We are at the point where we are ready to simply cancel the card and never work with XXXX again based upon this one incident. We have asked that the credit card company reimburse the account for the interest charge billed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-14

East Brooklyn, CT

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response