Alliance Data Card Services

2017-03-01

Lake Isabella, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Windsor Castle, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Minneapolis, MN

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

NH

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: My complaint is against Paypal Credit. I used it as a payment method on a site called XXXX - the site turned out to use paypal as a method to scam people into buying their virtual products ( Video game in game items ). When the product is not delivered and the customer checks to see what happened - the company insists to get a refund you must send them more money by via XXXX. It was clearly a scam - XXXX searches will show evidence of a long history of conducting this same scam and paypal turns a blind eye. I submitted a case and shared compelling and detailed evidence and even implored paypal to pose as a customer and see what the vendor does for themselves. I was supposed to receive a resolution within 3 weeks. 2 Months passed and I had to call them to see what had happened to the case as I wanted this fraudulent vendor blacklisted, more so than wanting my money back as kids would use this site to purchase game items and lose their hard earned money which is much more significant to them than it is to me right now. Paypal ruled in the favor of the vendor based upon the vendor being able to provide them with an Internet IP address which matches an IP address I 've used to log into paypal with. That was all they needed to rule in the vendors favor. To purchase items from that vendor you need to provide your username and password to the video game in order for the items to be delivered. When you log in with the username and password it shows all of the locations the game has been logged in from. This was no evidence of product delivery and it seems to have been well thought out and planned by the XXXX game item scamming company. They seem to know what paypal will look for so they can continue their fraud. Some links to the vendor 's misconduct : XXXX XXXX XXXX ( Read the video comments ) XXXX XXXX XXXX XXXX XXXX-XXXX You can also XXXX search XXXX fraud or scam and you 'll find many many results. you could also try to use the service and see that you 'll end up in the same situation as the rest of us.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Toppenish, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-27

Macclenny, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-27

TN

Advertising and marketing

Credit card:

Complaint: After spending over an hour on the phone with the Customer Care Center and requesting a complaint number and contact information I was hung up on. I contacted this company because they seem to be violating Consumer Protections by false advertising, providing false information, and unknowingly charging customers with finance charges and late fees without ever having sent a statement or bill. They also have no system in place to file or follow up on complaints. I also requested this card be canceled as I have reported the unlawful practices regarding Comenity Bank and this card. I requested a thorough accounting of the issue and resolution in writing immediately, but did not receive it. I was told at the XXXX store that the rewards card was discontinued and that I had to sign up for their new MasterCard due to it having chip security features. I received a new credit card and the old XXXX was shredded. However, charges were made to both cards and a statement was never received from the new MasterCard. I only found out about this account due to 8-10 harassing phone calls per day from a restricted number that would not leave a message. Upon answering after dozens of calls I discovered a bill collector on an account that I had never received a statement from. I was unable to get resolution from them in any way. I had to set up on all new online account to access said statement and saw that there are XXXX identical sites for XXXX different credit cards and companies. It is a deceitful practice meant to confuse consumers and charge them with unlawful charges while having no accountability, complaint system, or way to resolve the issue. This company is deceiving consumers by stating that the XXXX card is no longer valid and a XXXX MasterCard must be applied for instead. This company should not be able to have identical websites, statements, and other information that the consumer can not tell apart. This company should not be allowed to harass consumers and turn them over to collections without providing statements and within 90 days of opening said account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-27

Franklin Lks, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-27

Chinook, MT

Delinquent account

Credit card:

Complaint: I 'm being reported as 30 days late with my payment. I 've never been late
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-25

Eton, GA

Overlimit fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-25

IN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Back in XX/XX/XXXX, I received a statement saying that Comenity Bank/Full Beauty charged me an annual subscription fee for an account I had not used in several months. I paid that charge because it was my fault for not ensuring the account was closed, and then called Comenity Bank/Full Beauty to officially close the account. However, in XX/XX/XXXX, I received a statement charging me a late fee, two days AFTER the payment due date. I called Comenity/Full Beauty to complain and was told that the fee would be taken off my account, and my account would be closed. I was told during that conversation that my account balance was zero and no payment was due. In XX/XX/XXXX, the same thing happened. I called again, and again received assurances that the erroneous fee would be removed, no payment was required and that my account would be closed. In XX/XX/XXXX, it happened again, and for the fourth time I called to have my account closed and the erroneous fee removed. THEN, I received notice from my credit monitoring service and Comenity/Full Beauty reported my account two months past due to the credit bureaus. This experience has not only made me highly critical of Comenity Bank, but of ANY business that chooses to use a bank with such poor follow-thru and attention to detail. I would not recommend them to ANYONE.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-24

Mem, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

Dallas, TX

Other

Credit card:

Complaint: I received a copy of my XXXX consumer credit file ( Comenity Bank/XXXX ) is falsely reporting this account to my consumer file. This is NOT, my account ( XXXX ). All supporting documentation will be faxed. The information provided in this complaint is for the sole purpose of filing this complaint with the CFPB. And, is NOT to be used otherwise.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-24

Powder Spgs, GA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-23

Delaware, OH

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-23

Washington, DC

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-23

Santa Clara, CA

Billing disputes

Credit card:

Complaint: PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-23

PA

Late fee

Credit card:

Complaint: COMENITY bank processes payments for XXXX. But they take so long to process payments that then they charge you with a late fee and interest.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

Atl, GA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-22

Crafton, PA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-22

Key Biscayne, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I recently reviewed my credit report and observed that COMENITY BANK CONDUCTED A HARD HIT INQUIRY ON MY CREDIT REPORT THAT I DONT RECALL AUTHORIZING. I am requesting COMENITY BANK to provide me physical proof that I authorized the inquiry. If the fail to provide me physical proof of my authorization COMENITY BANK NEEDS TO CONTACT XXXX, XXXX, & XXXX and remove the inquiries.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-22

Kingstree, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-22

Spavinaw, OK

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

Brooklyn, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: This company has called multiple times everyday for weeks, including Saturday 's and Sundays, and on the XXXX holiday. Starting at around XXXX everyday and ending around XXXX. They have never left a message.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-02-21

Ehrhardt, SC

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response