Alliance Data Card Services

2017-03-09

Gastonia, NC

Charged fees or interest I didn't expect

Payday loan:

Complaint: Paypal sent promo email for 24 months interest free financing on Ebay purchases or {$600.00} or more. I clicked the link to " shop now ''. Made a {$1900.00} dollar purchase. When I logged into account the same day it only showed 6 months interest free. I called paypal, they asked me to forward them the email so they could see it. They then agreed and said they would fix it to the 24 month promo. I received an email on XX/XX/XXXX stating they had fixed the loan. I logged on to my account today XX/XX/XXXX and it was still saying 6 months. I called back and was told they was not going to honor the 24 months. I have all original emails if needed.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-09

South Florida, FL

Incorrect information on credit report

Credit reporting:

Personal information
Complaint: My brother XXXX is listed under my reported names. Please advise that every time he applies for a credit, the hard inquery is saved under my credit report. We have different social security numbers. Let me know if more information is needed
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Fithian, IL

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Stevenson, MD

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: My name is XXXX XXXX. I am very much a XXXX individual and they are now and have been repeated calling my cell phone at all hours of the day looking for " XXXX '' and that " XXXX, you need to call us right away or have your attorney contact us. '' I have had this cell phone number since XX/XX/2006. I do n't know what game they are playing but it needs to stop.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-09

Belville, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-09

Costa Mesa, CA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-09

Burns Township, MN

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-09

Grover Hill, OH

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Bellevue, KY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Mill Creek, IN

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: My credit information was used in another state at a XXXX store, increased my limit and was allowed to charge on me, with out a call to me, When I found out and they sent a card in that persons name to my address a few months had gone by, I never had a billing reflecting it, it is now on my credit report as a charge off and past due 150 days! AND account closed at credit grantors request, all this on my report!. This has harmed me to refinance my condo, I have no negative otherwise on my credit, ever, and I 'm XXXX and go back a long time..I want them to get that off now from my reports.. I do have a open account that I 'm paying on shows no problem, of which I 'm paying off soon and will never do business with them again. I had spoke with them about the allowed charging and thought they were taking care of it for me, and now I find this, I feel this happened in their store by one of their employees, since a clerk from my home town store ordered coat from Illinois store gave my info to them in having a coat I wanted sent to me from their store, and it happened after that ... Please can you help me? Sincerely
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Salinas, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Hampton, VA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Cold Spring, MA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-08

Chula Vista, CA

Transaction issue

Credit card:

Complaint: I returned XXXX items after being approved by the Limited card, I returned the items and was owed a refund of {$120.00}, but the Limited went bankrupt and now Comenity Bank still wants me to pay and I dont have the merchandise as I returned it.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-08

Tucson, AZ

Billing disputes

Credit card:

Complaint: 1. In XX/XX/2015 I ordered a pair of hunting boots from XXXX, paying with a credit card. 2.Subsequently I recieved a phone call from some one purporting to ba a representative of Comenity - The XXXX, informing me that I owed an over due payment for a pair of boots. 3. I had no knowledge of this account # XXXX. I had neither requested nor approved the opening of this account. I have never reieved a credt card or notification of the existance of the account. 4. I paid for the boots, using another credit card and requested that the accont be closed. 5. Susequently, Despit many phone callsI have continued to recieved monthly statements citing overdue charges. The current balance approaches {$200.00}, all a concatination of overdue charges, the merchandise has been paid for. 5.I have requested that all charges be recinded and that the account be closed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-07

Moapa, NV

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-07

Margate, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Alsace Manor, PA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Cameron, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Juniper Hills, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I never applied for this and it is not mine never applied for PayPal credit
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Brooklyn, NY

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below: 30 days late as of XX/XX/2015 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 non-monetary relief

Disputed: No Timely Response

2017-03-07

Bronx, NY

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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 non-monetary relief

Disputed: No Timely Response

2017-03-06

Weston, CT

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Dublin, OH

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Washington, DC

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response